18612
ZIPSAFMR
Wyoming County, PA
BRFMR
Eff. Rent
0 BR$1,000$1,100
1 BR$1,190$1,310
2 BR$1,450$1,570
3 BR$1,890$1,960
4 BR$2,050$2,100
5 BR$2,358
6 BR$2,711
7 BR$3,118
8 BR$3,585

Purchase Price Calculator

Maximum purchase price
$171,385

Cost breakdown

+Likely effective rent$1,570
HUD FMR$1,450
Market rent$1,640
Est. payment standard (109%)Used$1,570
Estimated payment standard is $1,570 (109% of FMR).
-Principal and interest-$867
Loan amount$137,108
Down payment$34,277
Rate6.50%
Term30 years
-Operating costs-$503
Property taxes-$171
Insurance-$175
Utilities$0
HOA$0
Management-$157
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,290(73.8% ROI)
Projected value
$184,563
Current value$171,385
Return breakdown
Property appreciation+$13,178
Loan principal paid down+$4,912
Rental cash flow+$7,200
5-year hold
+$43,281(126.3% ROI)
Projected value
$193,906
Current value$171,385
Return breakdown
Property appreciation+$22,521
Loan principal paid down+$8,760
Rental cash flow+$12,000
10-year hold
+$92,875(271.0% ROI)
Projected value
$219,387
Current value$171,385
Return breakdown
Property appreciation+$48,002
Loan principal paid down+$20,873
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
0.65ratio
FMR$1,000
Market$1,530
vs market-$530

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

90% standard$900 / 0.59 ratio110% standard$1,100 / 0.72 ratio
0.65
1 BR
1 BR
0.83ratio
FMR$1,190
Market$1,430
vs market-$240

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

90% standard$1,071 / 0.75 ratio110% standard$1,309 / 0.92 ratio
0.83
2 BR
2 BR
0.88ratio
FMR$1,450
Market$1,640
vs market-$190

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

90% standard$1,305 / 0.80 ratio110% standard$1,595 / 0.97 ratio
0.88
3 BR
3 BR
0.95ratio
FMR$1,890
Market$1,990
vs market-$100

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

90% standard$1,701 / 0.85 ratio110% standard$2,079 / 1.04 ratio
0.95
4 BR
4 BR
0.97ratio
FMR$2,050
Market$2,120
vs market-$70

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

90% standard$1,845 / 0.87 ratio110% standard$2,255 / 1.06 ratio
0.97
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 18612 (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.

18612 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18612 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,450 and the 4 bedroom fair market rent is $2,050.

Use this page for searches like 18612 FMR, 18612 fair market rent, and 18612 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 18612
Bedroom sizeHUD FMR
Studio$1,000
1 bedroom$1,190
2 bedroom$1,450
3 bedroom$1,890
4 bedroom$2,050