22960
ZIPSAFMR
Spotsylvania County, VA
BRFMR
Eff. Rent
0 BR$960$1,060
1 BR$970$1,070
2 BR$1,170$1,290
3 BR$1,620$1,780
4 BR$1,820$2,000
5 BR$2,093
6 BR$2,407
7 BR$2,768
8 BR$3,183

Purchase Price Calculator

Maximum purchase price
$129,777

Cost breakdown

+Likely effective rent$1,290
HUD FMR$1,170
Market rent$1,780
Est. payment standard (110%)Used$1,290
Estimated payment standard is $1,290 (110% of FMR).
-Principal and interest-$656
Loan amount$103,822
Down payment$25,955
Rate6.50%
Term30 years
-Operating costs-$434
Property taxes-$130
Insurance-$175
Utilities$0
HOA$0
Management-$129
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,898(80.5% ROI)
Projected value
$139,756
Current value$129,777
Return breakdown
Property appreciation+$9,979
Loan principal paid down+$3,720
Rental cash flow+$7,200
5-year hold
+$35,687(137.5% ROI)
Projected value
$146,831
Current value$129,777
Return breakdown
Property appreciation+$17,054
Loan principal paid down+$6,633
Rental cash flow+$12,000
10-year hold
+$76,154(293.4% ROI)
Projected value
$166,126
Current value$129,777
Return breakdown
Property appreciation+$36,349
Loan principal paid down+$15,806
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
0.57ratio
FMR$960
Market$1,680
vs market-$720

FMR is below market; voucher rent may lag private rents.

90% standard$864 / 0.51 ratio110% standard$1,056 / 0.63 ratio
0.57
1 BR
1 BR
0.64ratio
FMR$970
Market$1,510
vs market-$540

FMR is below market; voucher rent may lag private rents.

90% standard$873 / 0.58 ratio110% standard$1,067 / 0.71 ratio
0.64
2 BR
2 BR
0.66ratio
FMR$1,170
Market$1,780
vs market-$610

FMR is below market; voucher rent may lag private rents.

90% standard$1,053 / 0.59 ratio110% standard$1,287 / 0.72 ratio
0.66
3 BR
3 BR
0.76ratio
FMR$1,620
Market$2,130
vs market-$510

FMR is below market; voucher rent may lag private rents.

90% standard$1,458 / 0.68 ratio110% standard$1,782 / 0.84 ratio
0.76
4 BR
4 BR
0.85ratio
FMR$1,820
Market$2,140
vs market-$320

FMR is below market; voucher rent may lag private rents.

90% standard$1,638 / 0.77 ratio110% standard$2,002 / 0.94 ratio
0.85
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 22960 (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 SAFMR 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.

22960 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 22960 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,170 and the 4 bedroom fair market rent is $1,820.

Use this page for searches like 22960 FMR, 22960 fair market rent, and 22960 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 22960
Bedroom sizeHUD FMR
Studio$960
1 bedroom$970
2 bedroom$1,170
3 bedroom$1,620
4 bedroom$1,820