18766
ZIPFMR
Luzerne County, PA
BRFMR
Eff. Rent
0 BR$863$950
1 BR$1,028$1,120
2 BR$1,252$1,340
3 BR$1,631$1,560
4 BR$1,766$1,830
5 BR$2,031
6 BR$2,336
7 BR$2,686
8 BR$3,089

Purchase Price Calculator

Maximum purchase price
$137,207

Cost breakdown

+Likely effective rent$1,340
HUD FMR$1,252
Market rent$1,390
Est. payment standard (107%)Used$1,340
Estimated payment standard is $1,340 (107% of FMR).
-Principal and interest-$694
Loan amount$109,766
Down payment$27,441
Rate6.50%
Term30 years
-Operating costs-$446
Property taxes-$137
Insurance-$175
Utilities$0
HOA$0
Management-$134
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,683(79.0% ROI)
Projected value
$147,757
Current value$137,207
Return breakdown
Property appreciation+$10,550
Loan principal paid down+$3,933
Rental cash flow+$7,200
5-year hold
+$37,043(135.0% ROI)
Projected value
$155,237
Current value$137,207
Return breakdown
Property appreciation+$18,030
Loan principal paid down+$7,013
Rental cash flow+$12,000
10-year hold
+$79,140(288.4% ROI)
Projected value
$175,637
Current value$137,207
Return breakdown
Property appreciation+$38,430
Loan principal paid down+$16,711
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
0.76ratio
FMR$863
Market$1,140
vs market-$277

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

90% standard$777 / 0.68 ratio110% standard$949 / 0.83 ratio
0.76
1 BR
1 BR
0.88ratio
FMR$1,028
Market$1,170
vs market-$142

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

90% standard$925 / 0.79 ratio110% standard$1,131 / 0.97 ratio
0.88
2 BR
2 BR
0.90ratio
FMR$1,252
Market$1,390
vs market-$138

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

90% standard$1,127 / 0.81 ratio110% standard$1,377 / 0.99 ratio
0.90
3 BR
3 BR
1.05ratio
FMR$1,631
Market$1,560
vs market+$71

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

90% standard$1,468 / 0.94 ratio110% standard$1,794 / 1.15 ratio
1.05
4 BR
4 BR
0.94ratio
FMR$1,766
Market$1,870
vs market-$104

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

90% standard$1,589 / 0.85 ratio110% standard$1,943 / 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 18766 (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 FMR 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.

18766 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 18766 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,252 and the 4 bedroom fair market rent is $1,766.

Use this page for searches like 18766 FMR, 18766 fair market rent, and 18766 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 18766
Bedroom sizeHUD FMR
Studio$863
1 bedroom$1,028
2 bedroom$1,252
3 bedroom$1,631
4 bedroom$1,766