20104
ZIPFMR
Loudoun County, VA
BRFMR
Eff. Rent
0 BR$1,953$1,380
1 BR$2,015$1,810
2 BR$2,246$2,370
3 BR$2,835$2,960
4 BR$3,332$3,510
5 BR$3,832
6 BR$4,407
7 BR$5,068
8 BR$5,828

Purchase Price Calculator

Maximum purchase price
$290,265

Cost breakdown

+Likely effective rent$2,370
HUD FMR$2,246
Market rent$2,430
Est. payment standard (105%)Used$2,370
Estimated payment standard is $2,370 (105% of FMR).
-Principal and interest-$1,468
Loan amount$232,212
Down payment$58,053
Rate6.50%
Term30 years
-Operating costs-$702
Property taxes-$290
Insurance-$175
Utilities$0
HOA$0
Management-$237
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,838(65.2% ROI)
Projected value
$312,583
Current value$290,265
Return breakdown
Property appreciation+$22,319
Loan principal paid down+$8,320
Rental cash flow+$7,200
5-year hold
+$64,979(111.9% ROI)
Projected value
$328,408
Current value$290,265
Return breakdown
Property appreciation+$38,143
Loan principal paid down+$14,836
Rental cash flow+$12,000
10-year hold
+$140,650(242.3% ROI)
Projected value
$371,563
Current value$290,265
Return breakdown
Property appreciation+$81,299
Loan principal paid down+$35,352
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
1.42ratio
FMR$1,953
Market$1,380
vs market+$573

FMR is above market; underwrite to market rent.

90% standard$1,758 / 1.27 ratio110% standard$2,148 / 1.56 ratio
1.42
1 BR
1 BR
1.11ratio
FMR$2,015
Market$1,810
vs market+$205

FMR is above market; underwrite to market rent.

90% standard$1,814 / 1.00 ratio110% standard$2,217 / 1.22 ratio
1.11
2 BR
2 BR
0.92ratio
FMR$2,246
Market$2,430
vs market-$184

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

90% standard$2,021 / 0.83 ratio110% standard$2,471 / 1.02 ratio
0.92
3 BR
3 BR
0.94ratio
FMR$2,835
Market$3,030
vs market-$195

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

90% standard$2,552 / 0.84 ratio110% standard$3,119 / 1.03 ratio
0.94
4 BR
4 BR
0.93ratio
FMR$3,332
Market$3,600
vs market-$268

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

90% standard$2,999 / 0.83 ratio110% standard$3,665 / 1.02 ratio
0.93
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 20104 (VA) 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 FMR 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.

20104 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 20104 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,246 and the 4 bedroom fair market rent is $3,332.

Use this page for searches like 20104 FMR, 20104 fair market rent, and 20104 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 20104
Bedroom sizeHUD FMR
Studio$1,953
1 bedroom$2,015
2 bedroom$2,246
3 bedroom$2,835
4 bedroom$3,332