Delaware County/Folcroft/19032

19032

ZIPSAFMR

Delaware County, PA

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ZIP Investment Score

141High yield potential

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,420	$1,060	1.2%
1 BR	$1,540	$1,260	0.2%
2 BR	$1,840	$1,700	0.2%
3 BR	$2,190	$2,050	-0.3%
4 BR	$2,420	$2,200	-1.7%
5 BR	$2,783	Not available	-1.7%
6 BR	$3,200	Not available	-1.7%
7 BR	$3,681	Not available	-1.7%
8 BR	$4,233	Not available	-1.7%

Purchase Price Calculator

Maximum purchase price

$190,703

Cost breakdown

+Likely effective rent$1,700

HUD FMR$1,840

Market rentUsed$1,700

Est. payment standard (95%)$1,750

-Principal and interest-$964

Loan amount$152,562

Down payment$38,141

Rate6.50%

Term30 years

-Operating costs-$536

Property taxes-$191

Insurance-$175

Utilities$0

HOA$0

Management-$170

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$27,329(71.7% ROI)

Projected value

$205,366

Return breakdown

Property appreciation+$14,663

Loan principal paid down+$5,466

Rental cash flow+$7,200

5-year hold

+$46,807(122.7% ROI)

Projected value

$215,763

Return breakdown

Property appreciation+$25,060

Loan principal paid down+$9,747

Rental cash flow+$12,000

10-year hold

+$100,639(263.9% ROI)

Projected value

$244,116

Return breakdown

Property appreciation+$53,413

Loan principal paid down+$23,226

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

1.34ratio

FMR$1,420

Market$1,060

vs market+$360

FMR is above market; underwrite to market rent.

1.34

1 BR

1.22ratio

FMR$1,540

Market$1,260

vs market+$280

FMR is above market; underwrite to market rent.

1.22

2 BR

1.08ratio

FMR$1,840

Market$1,700

vs market+$140

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

1.08

3 BR

1.07ratio

FMR$2,190

Market$2,050

vs market+$140

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

1.07

4 BR

1.10ratio

FMR$2,420

Market$2,200

vs market+$220

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

1.10

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 19032 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 19032 (Folcroft, PA) is $1,840 a month. That is unchanged from FY 2026. Folcroft 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 49 ZIP codes in Delaware County, 19032 has the 24th-highest two-bedroom rent (county range $1,390–$2,790). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 19032 is 62% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 19032
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,420	$1,420	0.0%	$1,278–$1,562
1BR	$1,550	$1,540	−0.6%	$1,386–$1,694
2BR	$1,840	$1,840	0.0%	$1,656–$2,024
3BR	$2,210	$2,190	−0.9%	$1,971–$2,409
4BR	$2,460	$2,420	−1.6%	$2,178–$2,662

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 19032
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,420	$1,540	$1,840	$2,190	$2,420
FY 2026	$1,420	$1,550	$1,840	$2,210	$2,460
FY 2025	$1,420	$1,560	$1,860	$2,240	$2,550
FY 2024	$1,370	$1,530	$1,830	$2,210	$2,550
FY 2023	$1,130	$1,280	$1,540	$1,870	$2,180

Two-bedroom rent in nearby Delaware County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 19032
19017	$1,990	+8.2%
19018	$1,710	−7.1%
19022	$1,390	−24.5%
19023	$1,620	−12.0%
19026	$1,670	−9.2%
19028	$1,690	−8.2%
19029	$1,860	+1.1%
19032Current	$1,840	—
19033	$1,740	−5.4%
19036	$1,660	−9.8%
19041	$2,340	+27.2%
19043	$1,480	−19.6%

Questions about ZIP 19032 rents

How much will Section 8 pay for a two-bedroom in ZIP 19032?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,840, that basic range is $1,656 to $2,024 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 19032 in?

ZIP 19032 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 19032 for FY 2027?

The two-bedroom FMR was unchanged at $1,840 in FY 2027. Since FY 2023 it has risen 19.5%.

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 rent Folcroft, PA fair market rent PA statewide rents What is SAFMR?Data sources