18015
ZIPSAFMR
Northampton County, PA
BRFMR
Eff. Rent
0 BR$1,150$1,270
1 BR$1,360$1,370
2 BR$1,660$1,630
3 BR$2,120$1,840
4 BR$2,230$2,310
5 BR$2,565
6 BR$2,949
7 BR$3,392
8 BR$3,900

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,660
Market rentUsed$1,630
Est. payment standard (99%)$1,640
Market rent is below the inferred standard ($1,640, 99% of FMR).
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Current value$180,301
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Current value$180,301
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Current value$180,301
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.80ratio
FMR$1,150
Market$1,430
vs market-$280

FMR is below market; voucher rent may lag private rents.

90% standard$1,035 / 0.72 ratio110% standard$1,265 / 0.88 ratio
0.80
1 BR
1 BR
0.99ratio
FMR$1,360
Market$1,380
vs market-$20

FMR is near market; voucher and private rents are aligned.

90% standard$1,224 / 0.89 ratio110% standard$1,496 / 1.08 ratio
0.99
2 BR
2 BR
1.02ratio
FMR$1,660
Market$1,630
vs market+$30

FMR is near market; voucher and private rents are aligned.

90% standard$1,494 / 0.92 ratio110% standard$1,826 / 1.12 ratio
1.02
3 BR
3 BR
1.15ratio
FMR$2,120
Market$1,840
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$1,908 / 1.04 ratio110% standard$2,332 / 1.27 ratio
1.15
4 BR
4 BR
0.95ratio
FMR$2,230
Market$2,350
vs market-$120

FMR is near market; voucher and private rents are aligned.

90% standard$2,007 / 0.85 ratio110% standard$2,453 / 1.04 ratio
0.95
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 18015 (PA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

18015 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18015 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,660 and the 4 bedroom fair market rent is $2,230.

Use this page for searches like 18015 FMR, 18015 fair market rent, and 18015 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 18015
Bedroom sizeHUD FMR
Studio$1,150
1 bedroom$1,360
2 bedroom$1,660
3 bedroom$2,120
4 bedroom$2,230