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Berks County/Gilbertsville/19525

19525

ZIPSAFMR
Berks County, PA
Zillow

ZIP Investment Score

70Below average

095130300
BRFMR
Eff. Rent
0 BR$1,140$1,250
1 BR$1,240$1,360
2 BR$1,480$1,630
3 BR$1,760$1,940
4 BR$1,950$2,150
5 BR$2,243Not available
6 BR$2,579Not available
7 BR$2,966Not available
8 BR$3,411Not available

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,480
Market rent$1,850
Est. payment standard (110%)Used$1,630
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.76
1 BR
0.83
2 BR
0.80
3 BR
0.79
4 BR
0.70
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 19525 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 19525 (Gilbertsville, PA) is $1,480 a month. That is down 1.3% from $1,500 in FY 2026. Gilbertsville is in the Reading, PA MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 69 ZIP codes in Berks County, 19525 is tied for the 28th-highest two-bedroom rent (county range $1,370–$2,550). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 19525 is 30% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 19525
BedroomsFY 2027Change90–110% range
Studio$1,140−1.7%$1,026–$1,254
1BR$1,240−1.6%$1,116–$1,364
2BR$1,480−1.3%$1,332–$1,628
3BR$1,760−2.2%$1,584–$1,936
4BR$1,950−3.0%$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 19525
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,140$1,240$1,480$1,760$1,950
FY 2026$1,160$1,260$1,500$1,800$2,010
FY 2025$1,180$1,300$1,550$1,870$2,120
FY 2024$1,140$1,270$1,520$1,840$2,120
FY 2023$990$1,120$1,350$1,640$1,910

Two-bedroom rent in nearby Berks County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 19525
19516$1,780+20.3%
19518$1,710+15.5%
19519$1,430−3.4%
19520$1,370−7.4%
19522$1,420−4.1%
19523$1,420−4.1%
19525Current$1,480—
19526$1,420−4.1%
19529$1,710+15.5%
19530$1,4800.0%
19533$1,420−4.1%
19534$1,420−4.1%

Questions about ZIP 19525 rents

How much will Section 8 pay for a two-bedroom in ZIP 19525?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,480, that basic range is $1,332 to $1,628 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 19525 in?

ZIP 19525 is in the Reading, PA 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 19525 for FY 2027?

The two-bedroom FMR fell 1.3%, from $1,500 in FY 2026 to $1,480 in FY 2027. Since FY 2023 it has risen 9.6%.

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