18440
ZIPSAFMR
Lackawanna County, PA
BRFMR
Eff. Rent
0 BR$800$880
1 BR$950$1,050
2 BR$1,160$1,280
3 BR$1,510$1,660
4 BR$1,630$1,790
5 BR$1,874
6 BR$2,156
7 BR$2,479
8 BR$2,851

Purchase Price Calculator

Maximum purchase price
$128,291

Cost breakdown

+Likely effective rent$1,280
HUD FMR$1,160
Market rent$1,720
Est. payment standard (110%)Used$1,280
Estimated payment standard is $1,280 (110% of FMR).
-Principal and interest-$649
Loan amount$102,633
Down payment$25,658
Rate6.50%
Term30 years
-Operating costs-$431
Property taxes-$128
Insurance-$175
Utilities$0
HOA$0
Management-$128
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,741(80.8% ROI)
Projected value
$138,155
Current value$128,291
Return breakdown
Property appreciation+$9,864
Loan principal paid down+$3,677
Rental cash flow+$7,200
5-year hold
+$35,416(138.0% ROI)
Projected value
$145,149
Current value$128,291
Return breakdown
Property appreciation+$16,858
Loan principal paid down+$6,557
Rental cash flow+$12,000
10-year hold
+$75,557(294.5% ROI)
Projected value
$164,223
Current value$128,291
Return breakdown
Property appreciation+$35,932
Loan principal paid down+$15,625
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.48ratio
FMR$800
Market$1,660
vs market-$860

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

0.48
1 BR
1 BR
0.62ratio
FMR$950
Market$1,530
vs market-$580

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

90% standard$855 / 0.56 ratio110% standard$1,045 / 0.68 ratio
0.62
2 BR
2 BR
0.67ratio
FMR$1,160
Market$1,720
vs market-$560

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

90% standard$1,044 / 0.61 ratio110% standard$1,276 / 0.74 ratio
0.67
3 BR
3 BR
0.74ratio
FMR$1,510
Market$2,030
vs market-$520

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

90% standard$1,359 / 0.67 ratio110% standard$1,661 / 0.82 ratio
0.74
4 BR
4 BR
0.77ratio
FMR$1,630
Market$2,120
vs market-$490

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

90% standard$1,467 / 0.69 ratio110% standard$1,793 / 0.85 ratio
0.77
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 18440 (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.

18440 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18440 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,160 and the 4 bedroom fair market rent is $1,630.

Use this page for searches like 18440 FMR, 18440 fair market rent, and 18440 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 18440
Bedroom sizeHUD FMR
Studio$800
1 bedroom$950
2 bedroom$1,160
3 bedroom$1,510
4 bedroom$1,630