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Montgomery County/Bala Cynwyd/19004

19004

ZIPSAFMR
Montgomery County, PA
Zillow

ZIP Investment Score

73Below average

095130300
BRFMR
Eff. Rent
0 BR$1,780$1,670
1 BR$1,930$1,900
2 BR$2,300$2,460
3 BR$2,740$2,770
4 BR$3,020$3,310
5 BR$3,473Not available
6 BR$3,994Not available
7 BR$4,593Not available
8 BR$5,282Not available

Purchase Price Calculator

Maximum purchase price
$303,639

Cost breakdown

+Likely effective rent$2,460
HUD FMR$2,300
Market rent$2,540
Est. payment standard (107%)Used$2,460
-Principal and interest-$1,535
Loan amount$242,911
Down payment$60,728
Rate6.50%
Term30 years
-Operating costs-$725
Property taxes-$304
Insurance-$175
Utilities$0
HOA$0
Management-$246
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,250(64.6% ROI)
Projected value
$326,985
Return breakdown
Property appreciation+$23,347
Loan principal paid down+$8,703
Rental cash flow+$7,200
5-year hold
+$67,420(111.0% ROI)
Projected value
$343,539
Return breakdown
Property appreciation+$39,901
Loan principal paid down+$15,520
Rental cash flow+$12,000
10-year hold
+$146,025(240.5% ROI)
Projected value
$388,683
Return breakdown
Property appreciation+$85,044
Loan principal paid down+$36,980
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.07
1 BR
1.02
2 BR
0.91
3 BR
0.99
4 BR
0.87
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 19004 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 19004 (Bala Cynwyd, PA) is $2,300 a month. That is up 1.3% from $2,270 in FY 2026. Bala Cynwyd is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 93 ZIP codes in Montgomery County, 19004 is tied for the 18th-highest two-bedroom rent (county range $1,420–$2,790). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 19004 is 102% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 19004
BedroomsFY 2027Change90–110% range
Studio$1,780+1.7%$1,602–$1,958
1BR$1,930+1.0%$1,737–$2,123
2BR$2,300+1.3%$2,070–$2,530
3BR$2,740+0.7%$2,466–$3,014
4BR$3,020−0.7%$2,718–$3,322

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 19004
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,780$1,930$2,300$2,740$3,020
FY 2026$1,750$1,910$2,270$2,720$3,040
FY 2025$1,730$1,910$2,270$2,730$3,110
FY 2024$1,720$1,910$2,290$2,770$3,190
FY 2023$1,430$1,620$1,950$2,370$2,760

Two-bedroom rent in nearby Montgomery County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 19004
18979$2,060−10.4%
19001$1,740−24.3%
19002$1,960−14.8%
19003$2,090−9.1%
19004Current$2,300—
19006$1,970−14.3%
19009$1,800−21.7%
19010$2,420+5.2%
19012$1,740−24.3%
19025$2,790+21.3%
19027$1,840−20.0%
19031$2,010−12.6%

Questions about ZIP 19004 rents

How much will Section 8 pay for a two-bedroom in ZIP 19004?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,300, that basic range is $2,070 to $2,530 a month. 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 19004 in?

ZIP 19004 is in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 19004 for FY 2027?

The two-bedroom FMR rose 1.3%, from $2,270 in FY 2026 to $2,300 in FY 2027. Since FY 2023 it has risen 17.9%.

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 rentBala Cynwyd, PA fair market rentPA statewide rentsWhat is SAFMR?Data sources