18710
ZIPSAFMR
Luzerne County, PA
BRFMR
Eff. Rent
0 BR$870$960
1 BR$1,030$1,040
2 BR$1,260$1,350
3 BR$1,640$1,720
4 BR$1,780$1,850
5 BR$2,047
6 BR$2,354
7 BR$2,707
8 BR$3,113

Purchase Price Calculator

Maximum purchase price
$138,693

Cost breakdown

+Likely effective rent$1,350
HUD FMR$1,260
Market rent$1,400
Est. payment standard (107%)Used$1,350
Estimated payment standard is $1,350 (107% of FMR).
-Principal and interest-$701
Loan amount$110,954
Down payment$27,739
Rate6.50%
Term30 years
-Operating costs-$449
Property taxes-$139
Insurance-$175
Utilities$0
HOA$0
Management-$135
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,839(78.7% ROI)
Projected value
$149,357
Current value$138,693
Return breakdown
Property appreciation+$10,664
Loan principal paid down+$3,975
Rental cash flow+$7,200
5-year hold
+$37,314(134.5% ROI)
Projected value
$156,918
Current value$138,693
Return breakdown
Property appreciation+$18,225
Loan principal paid down+$7,089
Rental cash flow+$12,000
10-year hold
+$79,737(287.5% ROI)
Projected value
$177,539
Current value$138,693
Return breakdown
Property appreciation+$38,846
Loan principal paid down+$16,892
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
0.80ratio
FMR$870
Market$1,090
vs market-$220

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

90% standard$783 / 0.72 ratio110% standard$957 / 0.88 ratio
0.80
1 BR
1 BR
0.99ratio
FMR$1,030
Market$1,040
vs market-$10

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

90% standard$927 / 0.89 ratio110% standard$1,133 / 1.09 ratio
0.99
2 BR
2 BR
0.90ratio
FMR$1,260
Market$1,400
vs market-$140

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

90% standard$1,134 / 0.81 ratio110% standard$1,386 / 0.99 ratio
0.90
3 BR
3 BR
0.93ratio
FMR$1,640
Market$1,760
vs market-$120

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

90% standard$1,476 / 0.84 ratio110% standard$1,804 / 1.03 ratio
0.93
4 BR
4 BR
0.94ratio
FMR$1,780
Market$1,890
vs market-$110

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

90% standard$1,602 / 0.85 ratio110% standard$1,958 / 1.04 ratio
0.94
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 18710 (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.

18710 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 18710 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 18710 FMR, 18710 fair market rent, and 18710 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 18710
Bedroom sizeHUD FMR
Studio$870
1 bedroom$1,030
2 bedroom$1,260
3 bedroom$1,640
4 bedroom$1,780