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22471

ZIPSAFMR
Stafford County, VA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$2,040$1,880
1 BR$2,120$1,790
2 BR$2,350$1,900
3 BR$2,990$2,410
4 BR$3,530$2,790
5 BR$4,059Not available
6 BR$4,668Not available
7 BR$5,369Not available
8 BR$6,174Not available

Purchase Price Calculator

Maximum purchase price
$220,423

Cost breakdown

+Likely effective rent$1,900
HUD FMR$2,350
Market rentUsed$1,900
Est. payment standard (90%)$2,120
-Principal and interest-$1,115
Loan amount$176,338
Down payment$44,085
Rate6.50%
Term30 years
-Operating costs-$585
Property taxes-$220
Insurance-$175
Utilities$0
HOA$0
Management-$190
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,466(69.1% ROI)
Projected value
$237,371
Return breakdown
Property appreciation+$16,948
Loan principal paid down+$6,318
Rental cash flow+$7,200
5-year hold
+$52,232(118.5% ROI)
Projected value
$249,388
Return breakdown
Property appreciation+$28,965
Loan principal paid down+$11,266
Rental cash flow+$12,000
10-year hold
+$112,583(255.4% ROI)
Projected value
$282,160
Return breakdown
Property appreciation+$61,737
Loan principal paid down+$26,846
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.09
1 BR
1.18
2 BR
1.24
3 BR
1.24
4 BR
1.27
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 22471 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 22471 (Hartwood, VA) is $2,350 a month. That is up 10.8% from $2,120 in FY 2026. Hartwood is in the Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 13 ZIP codes in Stafford County, 22471 is tied for the 3rd-highest two-bedroom rent (county range $1,310–$2,710). The median county two-bedroom FMR in Virginia is $1,262, so ZIP 22471 is 86% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 22471
BedroomsFY 2027Change90–110% range
Studio$2,040+10.9%$1,836–$2,244
1BR$2,120+11.6%$1,908–$2,332
2BR$2,350+10.8%$2,115–$2,585
3BR$2,990+11.6%$2,691–$3,289
4BR$3,530+12.1%$3,177–$3,883

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 22471
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,040$2,120$2,350$2,990$3,530
FY 2026$1,840$1,900$2,120$2,680$3,150
FY 2025$1,850$1,890$2,130$2,660$3,140
FY 2024$1,600$1,630$1,850$2,300$2,730
FY 2023$1,440$1,470$1,670$2,090$2,490

Two-bedroom rent in nearby Stafford County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 22471
22403$2,3500.0%
22405$2,300−2.1%
22406$2,320−1.3%
22412$2,3500.0%
22430$2,3500.0%
22463$2,3500.0%
22471Current$2,350—
22545$2,3500.0%
22554$2,430+3.4%
22555$2,3500.0%
22556$2,220−5.5%
22728$1,310−44.3%

Questions about ZIP 22471 rents

How much will Section 8 pay for a two-bedroom in ZIP 22471?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,350, that basic range is $2,115 to $2,585 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 22471 in?

ZIP 22471 is in the Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area. 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 22471 for FY 2027?

The two-bedroom FMR rose 10.8%, from $2,120 in FY 2026 to $2,350 in FY 2027. Since FY 2023 it has risen 40.7%.

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