18103
ZIPSAFMR
Lehigh County, PA
BRFMR
Eff. Rent
0 BR$1,140$1,220
1 BR$1,350$1,440
2 BR$1,650$1,810
3 BR$2,110$2,100
4 BR$2,220$2,400
5 BR$2,553
6 BR$2,936
7 BR$3,376
8 BR$3,883

Purchase Price Calculator

Maximum purchase price
$207,049

Cost breakdown

+Likely effective rent$1,810
HUD FMR$1,650
Market rent$1,890
Est. payment standard (109%)Used$1,810
Estimated payment standard is $1,810 (109% of FMR).
-Principal and interest-$1,047
Loan amount$165,639
Down payment$41,410
Rate6.50%
Term30 years
-Operating costs-$563
Property taxes-$207
Insurance-$175
Utilities$0
HOA$0
Management-$181
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,055(70.2% ROI)
Projected value
$222,969
Current value$207,049
Return breakdown
Property appreciation+$15,920
Loan principal paid down+$5,934
Rental cash flow+$7,200
5-year hold
+$49,791(120.2% ROI)
Projected value
$234,257
Current value$207,049
Return breakdown
Property appreciation+$27,208
Loan principal paid down+$10,583
Rental cash flow+$12,000
10-year hold
+$107,208(258.9% ROI)
Projected value
$265,040
Current value$207,049
Return breakdown
Property appreciation+$57,991
Loan principal paid down+$25,217
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
0.90ratio
FMR$1,140
Market$1,260
vs market-$120

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

90% standard$1,026 / 0.81 ratio110% standard$1,254 / 1.00 ratio
0.90
1 BR
1 BR
0.91ratio
FMR$1,350
Market$1,490
vs market-$140

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

90% standard$1,215 / 0.82 ratio110% standard$1,485 / 1.00 ratio
0.91
2 BR
2 BR
0.87ratio
FMR$1,650
Market$1,890
vs market-$240

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

90% standard$1,485 / 0.79 ratio110% standard$1,815 / 0.96 ratio
0.87
3 BR
3 BR
1.00ratio
FMR$2,110
Market$2,100
vs market+$10

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

90% standard$1,899 / 0.90 ratio110% standard$2,321 / 1.11 ratio
1.00
4 BR
4 BR
0.89ratio
FMR$2,220
Market$2,500
vs market-$280

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

90% standard$1,998 / 0.80 ratio110% standard$2,442 / 0.98 ratio
0.89
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 18103 (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.

18103 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18103 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,650 and the 4 bedroom fair market rent is $2,220.

Use this page for searches like 18103 FMR, 18103 fair market rent, and 18103 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 18103
Bedroom sizeHUD FMR
Studio$1,140
1 bedroom$1,350
2 bedroom$1,650
3 bedroom$2,110
4 bedroom$2,220