18234
ZIPSAFMR
Luzerne County, PA
BRFMR
Eff. Rent
0 BR$890$980
1 BR$1,060$1,170
2 BR$1,300$1,350
3 BR$1,690$1,500
4 BR$1,830$1,600
5 BR$2,105
6 BR$2,420
7 BR$2,783
8 BR$3,201

Purchase Price Calculator

Maximum purchase price
$138,693

Cost breakdown

+Likely effective rent$1,350
HUD FMR$1,300
Market rent$1,370
Est. payment standard (103%)Used$1,350
Estimated payment standard is $1,350 (103% of FMR).
-Principal and interest-$701
Loan amount$110,954
Down payment$27,739
Rate6.50%
Term30 years
-Operating costs-$449
Property taxes-$139
Insurance-$175
Utilities$0
HOA$0
Management-$135
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,839(78.7% ROI)
Projected value
$149,357
Current value$138,693
Return breakdown
Property appreciation+$10,664
Loan principal paid down+$3,975
Rental cash flow+$7,200
5-year hold
+$37,314(134.5% ROI)
Projected value
$156,918
Current value$138,693
Return breakdown
Property appreciation+$18,225
Loan principal paid down+$7,089
Rental cash flow+$12,000
10-year hold
+$79,737(287.5% ROI)
Projected value
$177,539
Current value$138,693
Return breakdown
Property appreciation+$38,846
Loan principal paid down+$16,892
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
0.68ratio
FMR$890
Market$1,300
vs market-$410

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

90% standard$801 / 0.62 ratio110% standard$979 / 0.75 ratio
0.68
1 BR
1 BR
0.82ratio
FMR$1,060
Market$1,300
vs market-$240

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

90% standard$954 / 0.73 ratio110% standard$1,166 / 0.90 ratio
0.82
2 BR
2 BR
0.95ratio
FMR$1,300
Market$1,370
vs market-$70

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

90% standard$1,170 / 0.85 ratio110% standard$1,430 / 1.04 ratio
0.95
3 BR
3 BR
1.13ratio
FMR$1,690
Market$1,500
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,521 / 1.01 ratio110% standard$1,859 / 1.24 ratio
1.13
4 BR
4 BR
1.14ratio
FMR$1,830
Market$1,600
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$1,647 / 1.03 ratio110% standard$2,013 / 1.26 ratio
1.14
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 18234 (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.

18234 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18234 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,300 and the 4 bedroom fair market rent is $1,830.

Use this page for searches like 18234 FMR, 18234 fair market rent, and 18234 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 18234
Bedroom sizeHUD FMR
Studio$890
1 bedroom$1,060
2 bedroom$1,300
3 bedroom$1,690
4 bedroom$1,830