18042
ZIPSAFMR
Northampton County, PA
BRFMR
Eff. Rent
0 BR$1,160$1,260
1 BR$1,370$1,430
2 BR$1,670$1,760
3 BR$2,130$2,060
4 BR$2,240$2,360
5 BR$2,576
6 BR$2,962
7 BR$3,407
8 BR$3,918

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMR$1,670
Market rent$1,810
Est. payment standard (105%)Used$1,760
Estimated payment standard is $1,760 (105% of FMR).
-Principal and interest-$1,009
Loan amount$159,695
Down payment$39,924
Rate6.50%
Term30 years
-Operating costs-$551
Property taxes-$200
Insurance-$175
Utilities$0
HOA$0
Management-$176
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,270(70.8% ROI)
Projected value
$214,968
Current value$199,619
Return breakdown
Property appreciation+$15,349
Loan principal paid down+$5,721
Rental cash flow+$7,200
5-year hold
+$48,434(121.3% ROI)
Projected value
$225,850
Current value$199,619
Return breakdown
Property appreciation+$26,232
Loan principal paid down+$10,203
Rental cash flow+$12,000
10-year hold
+$104,222(261.1% ROI)
Projected value
$255,529
Current value$199,619
Return breakdown
Property appreciation+$55,910
Loan principal paid down+$24,312
Rental cash flow+$24,000

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Market Alignment

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

Studio
Studio
0.89ratio
FMR$1,160
Market$1,310
vs market-$150

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

90% standard$1,044 / 0.80 ratio110% standard$1,276 / 0.97 ratio
0.89
1 BR
1 BR
0.94ratio
FMR$1,370
Market$1,460
vs market-$90

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

90% standard$1,233 / 0.84 ratio110% standard$1,507 / 1.03 ratio
0.94
2 BR
2 BR
0.92ratio
FMR$1,670
Market$1,810
vs market-$140

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

90% standard$1,503 / 0.83 ratio110% standard$1,837 / 1.01 ratio
0.92
3 BR
3 BR
1.03ratio
FMR$2,130
Market$2,060
vs market+$70

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

90% standard$1,917 / 0.93 ratio110% standard$2,343 / 1.14 ratio
1.03
4 BR
4 BR
0.93ratio
FMR$2,240
Market$2,420
vs market-$180

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

90% standard$2,016 / 0.83 ratio110% standard$2,464 / 1.02 ratio
0.93
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

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 18042 (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.

18042 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18042 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,670 and the 4 bedroom fair market rent is $2,240.

Use this page for searches like 18042 FMR, 18042 fair market rent, and 18042 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 18042
Bedroom sizeHUD FMR
Studio$1,160
1 bedroom$1,370
2 bedroom$1,670
3 bedroom$2,130
4 bedroom$2,240