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Stafford County/Stafford/22554

22554

ZIPSAFMR
Stafford County, VA
Zillow

ZIP Investment Score

106Above average

095130300
BRFMR
Eff. Rent
0 BR$2,100$1,840
1 BR$2,200$1,800
2 BR$2,430$2,220
3 BR$3,100$2,630
4 BR$3,650$3,240
5 BR$4,198Not available
6 BR$4,827Not available
7 BR$5,551Not available
8 BR$6,384Not available

Purchase Price Calculator

Maximum purchase price
$267,975

Cost breakdown

+Likely effective rent$2,220
HUD FMR$2,430
Market rentUsed$2,220
Est. payment standard (94%)$2,290
-Principal and interest-$1,355
Loan amount$214,380
Down payment$53,595
Rate6.50%
Term30 years
-Operating costs-$665
Property taxes-$268
Insurance-$175
Utilities$0
HOA$0
Management-$222
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,485(66.2% ROI)
Projected value
$288,579
Return breakdown
Property appreciation+$20,605
Loan principal paid down+$7,681
Rental cash flow+$7,200
5-year hold
+$60,911(113.7% ROI)
Projected value
$303,189
Return breakdown
Property appreciation+$35,214
Loan principal paid down+$13,697
Rental cash flow+$12,000
10-year hold
+$131,692(245.7% ROI)
Projected value
$343,030
Return breakdown
Property appreciation+$75,056
Loan principal paid down+$32,637
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.14
1 BR
1.22
2 BR
1.09
3 BR
1.18
4 BR
1.13
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 22554 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 22554 (Stafford, VA) is $2,430 a month. That is up 10.0% from $2,210 in FY 2026. Stafford 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, 22554 has the 2nd-highest two-bedroom rent (county range $1,310–$2,710). The median county two-bedroom FMR in Virginia is $1,262, so ZIP 22554 is 93% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 22554
BedroomsFY 2027Change90–110% range
Studio$2,100+9.4%$1,890–$2,310
1BR$2,200+11.1%$1,980–$2,420
2BR$2,430+10.0%$2,187–$2,673
3BR$3,100+11.1%$2,790–$3,410
4BR$3,650+11.3%$3,285–$4,015

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 22554
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,100$2,200$2,430$3,100$3,650
FY 2026$1,920$1,980$2,210$2,790$3,280
FY 2025$1,970$2,020$2,270$2,840$3,350
FY 2024$1,720$1,750$1,990$2,480$2,930
FY 2023$1,560$1,580$1,800$2,250$2,690

Two-bedroom rent in nearby Stafford County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 22554
22403$2,350−3.3%
22405$2,300−5.3%
22406$2,320−4.5%
22412$2,350−3.3%
22430$2,350−3.3%
22463$2,350−3.3%
22471$2,350−3.3%
22545$2,350−3.3%
22554Current$2,430—
22555$2,350−3.3%
22556$2,220−8.6%
22728$1,310−46.1%

Questions about ZIP 22554 rents

How much will Section 8 pay for a two-bedroom in ZIP 22554?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,430, that basic range is $2,187 to $2,673 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 22554 in?

ZIP 22554 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 22554 for FY 2027?

The two-bedroom FMR rose 10.0%, from $2,210 in FY 2026 to $2,430 in FY 2027. Since FY 2023 it has risen 35.0%.

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 rentStafford, VA fair market rentVA statewide rentsWhat is SAFMR?Data sources