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Culpeper County/Lignum/22726

22726

ZIPSAFMR
Culpeper County, VA
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,290$1,420
1 BR$1,300$1,430
2 BR$1,600$1,760
3 BR$2,190$2,320
4 BR$2,200$2,420
5 BR$2,530Not available
6 BR$2,909Not available
7 BR$3,346Not available
8 BR$3,848Not available

Purchase Price Calculator

Maximum purchase price
$199,619

Cost breakdown

+Likely effective rent$1,760
HUD FMR$1,600
Market rent$2,120
Est. payment standard (110%)Used$1,760
-Principal and interest-$1,009
Loan amount$159,695
Down payment$39,924
Rate6.50%
Term30 years
-Operating costs-$551
Property taxes-$200
Insurance-$175
Utilities$0
HOA$0
Management-$176
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,270(70.8% ROI)
Projected value
$214,968
Return breakdown
Property appreciation+$15,349
Loan principal paid down+$5,721
Rental cash flow+$7,200
5-year hold
+$48,434(121.3% ROI)
Projected value
$225,850
Return breakdown
Property appreciation+$26,232
Loan principal paid down+$10,203
Rental cash flow+$12,000
10-year hold
+$104,222(261.1% ROI)
Projected value
$255,529
Return breakdown
Property appreciation+$55,910
Loan principal paid down+$24,312
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.64
1 BR
0.67
2 BR
0.75
3 BR
0.92
4 BR
0.81
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 22726 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 22726 (Lignum, VA) is $1,600 a month. That is up 12.7% from $1,420 in FY 2026. Lignum is in the Culpeper County, VA HUD Metro FMR Area. 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 $1,596. Among 18 ZIP codes in Culpeper County, 22726 is tied for the 7th-highest two-bedroom rent (county range $1,340–$2,150). The median county two-bedroom FMR in Virginia is $1,262, so ZIP 22726 is 27% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 22726
BedroomsFY 2027Change90–110% range
Studio$1,290+12.2%$1,161–$1,419
1BR$1,300+11.1%$1,170–$1,430
2BR$1,600+12.7%$1,440–$1,760
3BR$2,190+11.2%$1,971–$2,409
4BR$2,200+10.0%$1,980–$2,420

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 22726
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,290$1,300$1,600$2,190$2,200
FY 2026$1,150$1,170$1,420$1,970$2,000
FY 2025$910$910$1,130$1,500$1,710
FY 2024$780$790$1,030$1,340$1,670
FY 2023$740$740$980$1,290$1,670

Two-bedroom rent in nearby Culpeper County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 22726
22713$1,590−0.6%
22714$1,6000.0%
22716$1,570−1.9%
22718$1,6000.0%
22724$1,830+14.4%
22726Current$1,600—
22729$1,580−1.2%
22733$1,430−10.6%
22734$1,880+17.5%
22735$1,340−16.2%
22736$2,090+30.6%
22737$1,6000.0%

Questions about ZIP 22726 rents

How much will Section 8 pay for a two-bedroom in ZIP 22726?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,596, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,436 to $1,756 a month; under the ZIP-level Small Area FMR of $1,600 it would be $1,440 to $1,760. 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 22726 in?

ZIP 22726 is in the Culpeper County, VA HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,596.

How much did fair market rent change in ZIP 22726 for FY 2027?

The two-bedroom FMR rose 12.7%, from $1,420 in FY 2026 to $1,600 in FY 2027. Since FY 2023 it has risen 63.3%.

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