18421
ZIPSAFMR
Lackawanna County, PA
BRFMR
Eff. Rent
0 BR$720$790
1 BR$840$920
2 BR$1,020$1,120
3 BR$1,320$1,250
4 BR$1,650$1,300
5 BR$1,897
6 BR$2,182
7 BR$2,509
8 BR$2,886

Purchase Price Calculator

Maximum purchase price
$104,515

Cost breakdown

+Likely effective rent$1,120
HUD FMR$1,020
Market rent$1,180
Est. payment standard (110%)Used$1,120
Estimated payment standard is $1,120 (110% of FMR).
-Principal and interest-$528
Loan amount$83,612
Down payment$20,903
Rate6.50%
Term30 years
-Operating costs-$392
Property taxes-$105
Insurance-$175
Utilities$0
HOA$0
Management-$112
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,232(87.2% ROI)
Projected value
$112,551
Current value$104,515
Return breakdown
Property appreciation+$8,036
Loan principal paid down+$2,996
Rental cash flow+$7,200
5-year hold
+$31,076(148.7% ROI)
Projected value
$118,249
Current value$104,515
Return breakdown
Property appreciation+$13,734
Loan principal paid down+$5,342
Rental cash flow+$12,000
10-year hold
+$66,002(315.8% ROI)
Projected value
$133,788
Current value$104,515
Return breakdown
Property appreciation+$29,273
Loan principal paid down+$12,729
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$720
Market$1,060
vs market-$340

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

90% standard$648 / 0.61 ratio110% standard$792 / 0.75 ratio
0.68
1 BR
1 BR
0.82ratio
FMR$840
Market$1,030
vs market-$190

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

90% standard$756 / 0.73 ratio110% standard$924 / 0.90 ratio
0.82
2 BR
2 BR
0.86ratio
FMR$1,020
Market$1,180
vs market-$160

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

90% standard$918 / 0.78 ratio110% standard$1,122 / 0.95 ratio
0.86
3 BR
3 BR
1.06ratio
FMR$1,320
Market$1,250
vs market+$70

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

90% standard$1,188 / 0.95 ratio110% standard$1,452 / 1.16 ratio
1.06
4 BR
4 BR
1.27ratio
FMR$1,650
Market$1,300
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$1,485 / 1.14 ratio110% standard$1,815 / 1.40 ratio
1.27
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 18421 (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.

18421 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18421 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,020 and the 4 bedroom fair market rent is $1,650.

Use this page for searches like 18421 FMR, 18421 fair market rent, and 18421 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 18421
Bedroom sizeHUD FMR
Studio$720
1 bedroom$840
2 bedroom$1,020
3 bedroom$1,320
4 bedroom$1,650