18643
ZIPSAFMR
Luzerne County, PA
BRFMR
Eff. Rent
0 BR$870$960
1 BR$1,030$1,110
2 BR$1,260$1,330
3 BR$1,640$1,580
4 BR$1,780$1,950
5 BR$2,047
6 BR$2,354
7 BR$2,707
8 BR$3,113

Purchase Price Calculator

Maximum purchase price
$135,721

Cost breakdown

+Likely effective rent$1,330
HUD FMR$1,260
Market rent$1,360
Est. payment standard (105%)Used$1,330
Estimated payment standard is $1,330 (105% of FMR).
-Principal and interest-$686
Loan amount$108,577
Down payment$27,144
Rate6.50%
Term30 years
-Operating costs-$444
Property taxes-$136
Insurance-$175
Utilities$0
HOA$0
Management-$133
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,526(79.3% ROI)
Projected value
$146,157
Current value$135,721
Return breakdown
Property appreciation+$10,436
Loan principal paid down+$3,890
Rental cash flow+$7,200
5-year hold
+$36,772(135.5% ROI)
Projected value
$153,556
Current value$135,721
Return breakdown
Property appreciation+$17,835
Loan principal paid down+$6,937
Rental cash flow+$12,000
10-year hold
+$78,543(289.4% ROI)
Projected value
$173,734
Current value$135,721
Return breakdown
Property appreciation+$38,013
Loan principal paid down+$16,530
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
0.81ratio
FMR$870
Market$1,080
vs market-$210

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

90% standard$783 / 0.73 ratio110% standard$957 / 0.89 ratio
0.81
1 BR
1 BR
0.90ratio
FMR$1,030
Market$1,150
vs market-$120

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

90% standard$927 / 0.81 ratio110% standard$1,133 / 0.99 ratio
0.90
2 BR
2 BR
0.93ratio
FMR$1,260
Market$1,360
vs market-$100

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

90% standard$1,134 / 0.83 ratio110% standard$1,386 / 1.02 ratio
0.93
3 BR
3 BR
1.04ratio
FMR$1,640
Market$1,580
vs market+$60

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

90% standard$1,476 / 0.93 ratio110% standard$1,804 / 1.14 ratio
1.04
4 BR
4 BR
0.87ratio
FMR$1,780
Market$2,040
vs market-$260

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

90% standard$1,602 / 0.79 ratio110% standard$1,958 / 0.96 ratio
0.87
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 18643 (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.

18643 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18643 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,260 and the 4 bedroom fair market rent is $1,780.

Use this page for searches like 18643 FMR, 18643 fair market rent, and 18643 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 18643
Bedroom sizeHUD FMR
Studio$870
1 bedroom$1,030
2 bedroom$1,260
3 bedroom$1,640
4 bedroom$1,780