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Berks County/Reading/19611

19611

ZIPSAFMR
Berks County, PA
Zillow

ZIP Investment Score

90Below average

095130300
BRFMR
Eff. Rent
0 BR$980$980
1 BR$1,120$1,230
2 BR$1,420$1,450
3 BR$1,750$1,850
4 BR$1,880$2,020
5 BR$2,162Not available
6 BR$2,486Not available
7 BR$2,859Not available
8 BR$3,288Not available

Purchase Price Calculator

Maximum purchase price
$153,553

Cost breakdown

+Likely effective rent$1,450
HUD FMR$1,420
Market rent$1,470
Est. payment standard (102%)Used$1,450
-Principal and interest-$776
Loan amount$122,842
Down payment$30,711
Rate6.50%
Term30 years
-Operating costs-$474
Property taxes-$154
Insurance-$175
Utilities$0
HOA$0
Management-$145
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,408(76.2% ROI)
Projected value
$165,360
Return breakdown
Property appreciation+$11,807
Loan principal paid down+$4,401
Rental cash flow+$7,200
5-year hold
+$40,027(130.3% ROI)
Projected value
$173,731
Return breakdown
Property appreciation+$20,178
Loan principal paid down+$7,848
Rental cash flow+$12,000
10-year hold
+$85,709(279.1% ROI)
Projected value
$196,561
Return breakdown
Property appreciation+$43,008
Loan principal paid down+$18,701
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.00
1 BR
0.84
2 BR
0.97
3 BR
0.92
4 BR
0.90
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 19611 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 19611 (Reading, PA) is $1,420 a month. That is down 7.8% from $1,540 in FY 2026. Reading is in the Reading, PA MSA. 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 metro-wide two-bedroom FMR of $1,418. Among 69 ZIP codes in Berks County, 19611 is tied for the 39th-highest two-bedroom rent (county range $1,370–$2,550). The median county two-bedroom FMR in Pennsylvania is $1,136, so ZIP 19611 is 25% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 19611
BedroomsFY 2027Change90–110% range
Studio$980−7.5%$882–$1,078
1BR$1,120−7.4%$1,008–$1,232
2BR$1,420−7.8%$1,278–$1,562
3BR$1,750−7.4%$1,575–$1,925
4BR$1,880−7.8%$1,692–$2,068

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 19611
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$980$1,120$1,420$1,750$1,880
FY 2026$1,060$1,210$1,540$1,890$2,040
FY 2025$910$1,050$1,320$1,650$1,750
FY 2024$840$980$1,240$1,550$1,650
FY 2023$690$810$1,030$1,290$1,380

Two-bedroom rent in nearby Berks County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 19611
19601$1,4200.0%
19602$1,4200.0%
19603$1,430+0.7%
19604$1,4200.0%
19605$1,590+12.0%
19606$1,580+11.3%
19607$1,580+11.3%
19608$1,850+30.3%
19609$1,660+16.9%
19610$1,960+38.0%
19611Current$1,420—
19612$1,430+0.7%

Questions about ZIP 19611 rents

How much will Section 8 pay for a two-bedroom in ZIP 19611?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,418, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,276 to $1,560 a month; under the ZIP-level Small Area FMR of $1,420 it would be $1,278 to $1,562. 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 19611 in?

ZIP 19611 is in the Reading, PA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,418.

How much did fair market rent change in ZIP 19611 for FY 2027?

The two-bedroom FMR fell 7.8%, from $1,540 in FY 2026 to $1,420 in FY 2027. Since FY 2023 it has risen 37.9%.

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