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Lehigh County/Germansville/18053

18053

ZIPSAFMR
Lehigh County, PA
Zillow

ZIP Investment Score

81Below average

095130300
BRFMR
Eff. Rent
0 BR$1,200$1,320
1 BR$1,400$1,540
2 BR$1,700$1,710
3 BR$2,130$1,860
4 BR$2,290$2,030
5 BR$2,634Not available
6 BR$3,029Not available
7 BR$3,483Not available
8 BR$4,005Not available

Purchase Price Calculator

Maximum purchase price
$192,189

Cost breakdown

+Likely effective rent$1,710
HUD FMR$1,700
Market rent$1,720
Est. payment standard (101%)Used$1,710
-Principal and interest-$972
Loan amount$153,751
Down payment$38,438
Rate6.50%
Term30 years
-Operating costs-$538
Property taxes-$192
Insurance-$175
Utilities$0
HOA$0
Management-$171
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,486(71.5% ROI)
Projected value
$206,966
Return breakdown
Property appreciation+$14,778
Loan principal paid down+$5,509
Rental cash flow+$7,200
5-year hold
+$47,078(122.5% ROI)
Projected value
$217,444
Return breakdown
Property appreciation+$25,255
Loan principal paid down+$9,823
Rental cash flow+$12,000
10-year hold
+$101,236(263.4% ROI)
Projected value
$246,018
Return breakdown
Property appreciation+$53,829
Loan principal paid down+$23,407
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.70
1 BR
0.78
2 BR
0.99
3 BR
1.15
4 BR
1.13
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 18053 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 18053 (Germansville, PA) is $1,700 a month. That is up 6.9% from $1,590 in FY 2026. Germansville is in the Allentown-Bethlehem-Easton, PA HUD Metro 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 metro-wide two-bedroom FMR of $1,839. Among 38 ZIP codes in Lehigh County, 18053 is tied for the 23rd-highest two-bedroom rent (county range $1,480–$2,760). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 18053 is 50% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 18053
BedroomsFY 2027Change90–110% range
Studio$1,200+9.1%$1,080–$1,320
1BR$1,400+6.9%$1,260–$1,540
2BR$1,700+6.9%$1,530–$1,870
3BR$2,130+4.9%$1,917–$2,343
4BR$2,290+7.0%$2,061–$2,519

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 18053
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,200$1,400$1,700$2,130$2,290
FY 2026$1,100$1,310$1,590$2,030$2,140
FY 2025$1,030$1,210$1,500$1,920$2,000
FY 2024$1,000$1,160$1,460$1,860$1,950
FY 2023$960$1,090$1,380$1,770$1,850

Two-bedroom rent in nearby Lehigh County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 18053
18037$1,7000.0%
18041$1,630−4.1%
18046$2,350+38.2%
18049$1,830+7.6%
18051$1,640−3.5%
18052$1,920+12.9%
18053Current$1,700—
18059$1,650−2.9%
18062$2,550+50.0%
18065$1,510−11.2%
18066$1,480−12.9%
18067$1,730+1.8%

Questions about ZIP 18053 rents

How much will Section 8 pay for a two-bedroom in ZIP 18053?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,839, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,655 to $2,023 a month; under the ZIP-level Small Area FMR of $1,700 it would be $1,530 to $1,870. 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 18053 in?

ZIP 18053 is in the Allentown-Bethlehem-Easton, PA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,839.

How much did fair market rent change in ZIP 18053 for FY 2027?

The two-bedroom FMR rose 6.9%, from $1,590 in FY 2026 to $1,700 in FY 2027. Since FY 2023 it has risen 23.2%.

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