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Union County/Winfield/17889

17889

ZIPSAFMR
Union County, PA
Zillow

ZIP Investment Score

76Below average

095130300
BRFMR
Eff. Rent
0 BR$730$760
1 BR$870$950
2 BR$1,010$1,110
3 BR$1,350$1,420
4 BR$1,570$1,730
5 BR$1,805Not available
6 BR$2,076Not available
7 BR$2,388Not available
8 BR$2,746Not available

Purchase Price Calculator

Maximum purchase price
$103,029

Cost breakdown

+Likely effective rent$1,110
HUD FMR$1,010
Market rent$1,190
Est. payment standard (110%)Used$1,110
-Principal and interest-$521
Loan amount$82,423
Down payment$20,606
Rate6.50%
Term30 years
-Operating costs-$389
Property taxes-$103
Insurance-$175
Utilities$0
HOA$0
Management-$111
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,075(87.7% ROI)
Projected value
$110,951
Return breakdown
Property appreciation+$7,922
Loan principal paid down+$2,953
Rental cash flow+$7,200
5-year hold
+$30,805(149.5% ROI)
Projected value
$116,568
Return breakdown
Property appreciation+$13,539
Loan principal paid down+$5,266
Rental cash flow+$12,000
10-year hold
+$65,405(317.4% ROI)
Projected value
$131,886
Return breakdown
Property appreciation+$28,857
Loan principal paid down+$12,548
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.94
1 BR
0.87
2 BR
0.85
3 BR
0.93
4 BR
0.69
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 17889 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 17889 (Winfield, PA) is $1,010 a month. That is up 4.1% from $970 in FY 2026. Winfield is in the Union County, PA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,028. Among 15 ZIP codes in Union County, 17889 is tied for the 11th-highest two-bedroom rent (county range $1,010–$1,190). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 17889 is 11% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 17889
BedroomsFY 2027Change90–110% range
Studio$730+2.8%$657–$803
1BR$870+2.4%$783–$957
2BR$1,010+4.1%$909–$1,111
3BR$1,350+5.5%$1,215–$1,485
4BR$1,570+3.3%$1,413–$1,727

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 17889
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$730$870$1,010$1,350$1,570
FY 2026$710$850$970$1,280$1,520
FY 2025$700$850$960$1,260$1,480
FY 2024area FMR$646$788$885$1,247$1,502
FY 2023area FMR$653$785$887$1,246$1,511

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Union County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 17889
17837$1,080+6.9%
17841$1,020+1.0%
17844$1,030+2.0%
17845$1,0100.0%
17855$1,090+7.9%
17856$1,070+5.9%
17870$1,140+12.9%
17880$1,020+1.0%
17885$1,0100.0%
17886$1,080+6.9%
17887$1,070+5.9%
17889Current$1,010—

Questions about ZIP 17889 rents

How much will Section 8 pay for a two-bedroom in ZIP 17889?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,028, which applies unless the housing authority uses Small Area FMRs, that basic range is $925 to $1,131 a month; under the ZIP-level Small Area FMR of $1,010 it would be $909 to $1,111. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 17889 in?

ZIP 17889 is in the Union County, PA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,028.

How much did fair market rent change in ZIP 17889 for FY 2027?

The two-bedroom FMR rose 4.1%, from $970 in FY 2026 to $1,010 in FY 2027. Since FY 2025 it has risen 5.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentWinfield, PA fair market rentPA statewide rentsWhat is SAFMR?Data sources