18351
ZIPSAFMR
Northampton County, PA
BRFMR
Eff. Rent
0 BR$1,290$1,420
1 BR$1,530$1,670
2 BR$1,860$1,750
3 BR$2,380$2,010
4 BR$2,500$2,160
5 BR$2,875
6 BR$3,306
7 BR$3,802
8 BR$4,373

Purchase Price Calculator

Maximum purchase price
$198,133

Cost breakdown

+Likely effective rent$1,750
HUD FMR$1,860
Market rentUsed$1,750
Est. payment standard (96%)$1,790
Market rent is below the inferred standard ($1,790, 96% of FMR).
-Principal and interest-$1,002
Loan amount$158,506
Down payment$39,627
Rate6.50%
Term30 years
-Operating costs-$548
Property taxes-$198
Insurance-$175
Utilities$0
HOA$0
Management-$175
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,113(70.9% ROI)
Projected value
$213,367
Current value$198,133
Return breakdown
Property appreciation+$15,235
Loan principal paid down+$5,679
Rental cash flow+$7,200
5-year hold
+$48,163(121.5% ROI)
Projected value
$224,169
Current value$198,133
Return breakdown
Property appreciation+$26,036
Loan principal paid down+$10,127
Rental cash flow+$12,000
10-year hold
+$103,625(261.5% ROI)
Projected value
$253,627
Current value$198,133
Return breakdown
Property appreciation+$55,494
Loan principal paid down+$24,131
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
0.78ratio
FMR$1,290
Market$1,650
vs market-$360

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

90% standard$1,161 / 0.70 ratio110% standard$1,419 / 0.86 ratio
0.78
1 BR
1 BR
0.88ratio
FMR$1,530
Market$1,740
vs market-$210

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

90% standard$1,377 / 0.79 ratio110% standard$1,683 / 0.97 ratio
0.88
2 BR
2 BR
1.06ratio
FMR$1,860
Market$1,750
vs market+$110

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

90% standard$1,674 / 0.96 ratio110% standard$2,046 / 1.17 ratio
1.06
3 BR
3 BR
1.18ratio
FMR$2,380
Market$2,010
vs market+$370

FMR is above market; underwrite to market rent.

90% standard$2,142 / 1.07 ratio110% standard$2,618 / 1.30 ratio
1.18
4 BR
4 BR
1.16ratio
FMR$2,500
Market$2,160
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,250 / 1.04 ratio110% standard$2,750 / 1.27 ratio
1.16
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 18351 (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.

18351 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18351 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,860 and the 4 bedroom fair market rent is $2,500.

Use this page for searches like 18351 FMR, 18351 fair market rent, and 18351 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 18351
Bedroom sizeHUD FMR
Studio$1,290
1 bedroom$1,530
2 bedroom$1,860
3 bedroom$2,380
4 bedroom$2,500