19118
ZIPSAFMR
Montgomery County, PA
BRFMR
Eff. Rent
0 BR$1,770$1,340
1 BR$1,920$1,580
2 BR$2,290$2,010
3 BR$2,750$2,830
4 BR$3,070$3,230
5 BR$3,530
6 BR$4,060
7 BR$4,669
8 BR$5,369

Purchase Price Calculator

Maximum purchase price
$236,769

Cost breakdown

+Likely effective rent$2,010
HUD FMR$2,290
Market rentUsed$2,010
Est. payment standard (92%)$2,110
Market rent is below the inferred standard ($2,110, 92% of FMR).
-Principal and interest-$1,197
Loan amount$189,415
Down payment$47,354
Rate6.50%
Term30 years
-Operating costs-$613
Property taxes-$237
Insurance-$175
Utilities$0
HOA$0
Management-$201
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,192(68.0% ROI)
Projected value
$254,974
Current value$236,769
Return breakdown
Property appreciation+$18,205
Loan principal paid down+$6,786
Rental cash flow+$7,200
5-year hold
+$55,215(116.6% ROI)
Projected value
$267,882
Current value$236,769
Return breakdown
Property appreciation+$31,113
Loan principal paid down+$12,102
Rental cash flow+$12,000
10-year hold
+$119,152(251.6% ROI)
Projected value
$303,084
Current value$236,769
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
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
1.32ratio
FMR$1,770
Market$1,340
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$1,593 / 1.19 ratio110% standard$1,947 / 1.45 ratio
1.32
1 BR
1 BR
1.22ratio
FMR$1,920
Market$1,580
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$1,728 / 1.09 ratio110% standard$2,112 / 1.34 ratio
1.22
2 BR
2 BR
1.14ratio
FMR$2,290
Market$2,010
vs market+$280

FMR is above market; underwrite to market rent.

90% standard$2,061 / 1.03 ratio110% standard$2,519 / 1.25 ratio
1.14
3 BR
3 BR
0.96ratio
FMR$2,750
Market$2,870
vs market-$120

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

90% standard$2,475 / 0.86 ratio110% standard$3,025 / 1.05 ratio
0.96
4 BR
4 BR
0.92ratio
FMR$3,070
Market$3,320
vs market-$250

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

90% standard$2,763 / 0.83 ratio110% standard$3,377 / 1.02 ratio
0.92
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 19118 (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.

19118 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 19118 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,290 and the 4 bedroom fair market rent is $3,070.

Use this page for searches like 19118 FMR, 19118 fair market rent, and 19118 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 19118
Bedroom sizeHUD FMR
Studio$1,770
1 bedroom$1,920
2 bedroom$2,290
3 bedroom$2,750
4 bedroom$3,070