18631
ZIPSAFMR
Columbia County, PA
BRFMR
Eff. Rent
0 BR$940$1,030
1 BR$1,120$1,040
2 BR$1,360$1,300
3 BR$1,630$1,380
4 BR$1,880$1,370
5 BR$2,162
6 BR$2,486
7 BR$2,859
8 BR$3,288

Purchase Price Calculator

Maximum purchase price
$131,263

Cost breakdown

+Likely effective rent$1,300
HUD FMR$1,360
Market rentUsed$1,300
Est. payment standard (97%)$1,320
Market rent is below the inferred standard ($1,320, 97% of FMR).
-Principal and interest-$664
Loan amount$105,010
Down payment$26,253
Rate6.50%
Term30 years
-Operating costs-$436
Property taxes-$131
Insurance-$175
Utilities$0
HOA$0
Management-$130
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,055(80.2% ROI)
Projected value
$141,356
Current value$131,263
Return breakdown
Property appreciation+$10,093
Loan principal paid down+$3,762
Rental cash flow+$7,200
5-year hold
+$35,958(137.0% ROI)
Projected value
$148,512
Current value$131,263
Return breakdown
Property appreciation+$17,249
Loan principal paid down+$6,709
Rental cash flow+$12,000
10-year hold
+$76,751(292.4% ROI)
Projected value
$168,028
Current value$131,263
Return breakdown
Property appreciation+$36,765
Loan principal paid down+$15,987
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
0.82ratio
FMR$940
Market$1,150
vs market-$210

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

90% standard$846 / 0.74 ratio110% standard$1,034 / 0.90 ratio
0.82
1 BR
1 BR
1.08ratio
FMR$1,120
Market$1,040
vs market+$80

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

90% standard$1,008 / 0.97 ratio110% standard$1,232 / 1.18 ratio
1.08
2 BR
2 BR
1.05ratio
FMR$1,360
Market$1,300
vs market+$60

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

90% standard$1,224 / 0.94 ratio110% standard$1,496 / 1.15 ratio
1.05
3 BR
3 BR
1.18ratio
FMR$1,630
Market$1,380
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$1,467 / 1.06 ratio110% standard$1,793 / 1.30 ratio
1.18
4 BR
4 BR
1.37ratio
FMR$1,880
Market$1,370
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$1,692 / 1.24 ratio110% standard$2,068 / 1.51 ratio
1.37
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 18631 (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.

18631 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18631 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,360 and the 4 bedroom fair market rent is $1,880.

Use this page for searches like 18631 FMR, 18631 fair market rent, and 18631 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 18631
Bedroom sizeHUD FMR
Studio$940
1 bedroom$1,120
2 bedroom$1,360
3 bedroom$1,630
4 bedroom$1,880