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Susquehanna County/Friendsville/18818

18818

ZIPSAFMR
Susquehanna County, PA
Zillow

ZIP Investment Score

116Above average

095130300
BRFMR
Eff. Rent
0 BR$940$940
1 BR$980$980
2 BR$1,270$1,270
3 BR$1,660$1,660
4 BR$1,740$1,740
5 BR$2,001Not available
6 BR$2,301Not available
7 BR$2,646Not available
8 BR$3,043Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMRUsed$1,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 18818 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 18818 (Friendsville, PA) is $1,270 a month. That is down 2.3% from $1,300 in FY 2026. Friendsville is in the Susquehanna County, PA non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,060. Among 32 ZIP codes in Susquehanna County, 18818 has the 6th-highest two-bedroom rent (county range $1,010–$1,400). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 18818 is 12% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 18818
BedroomsFY 2027Change90–110% range
Studio$940−1.1%$846–$1,034
1BR$980−2.0%$882–$1,078
2BR$1,270−2.3%$1,143–$1,397
3BR$1,660−0.6%$1,494–$1,826
4BR$1,740−0.6%$1,566–$1,914

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 18818
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$940$980$1,270$1,660$1,740
FY 2026$950$1,000$1,300$1,670$1,750
FY 2025$880$920$1,210$1,520$1,620
FY 2024area FMR$668$703$916$1,173$1,246
FY 2023area FMR$656$686$890$1,148$1,247

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Susquehanna County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 18818
18812$1,320+3.9%
18816$1,120−11.8%
18818Current$1,270—
18820$1,130−11.0%
18821$1,080−15.0%
18822$1,040−18.1%
18823$1,230−3.1%
18824$1,010−20.5%
18825$1,110−12.6%
18826$1,400+10.2%
18828$1,150−9.4%
18829$1,280+0.8%

Questions about ZIP 18818 rents

How much will Section 8 pay for a two-bedroom in ZIP 18818?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,060, which applies unless the housing authority uses Small Area FMRs, that basic range is $954 to $1,166 a month; under the ZIP-level Small Area FMR of $1,270 it would be $1,143 to $1,397. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 18818 in?

ZIP 18818 is in the Susquehanna County, PA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,060.

How much did fair market rent change in ZIP 18818 for FY 2027?

The two-bedroom FMR fell 2.3%, from $1,300 in FY 2026 to $1,270 in FY 2027. Since FY 2025 it has risen 5.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentFriendsville, PA fair market rentPA statewide rentsWhat is SAFMR?Data sources