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Putnam County/Saint Albans/25177

25177

ZIPSAFMR
Putnam County, WV
Zillow

ZIP Investment Score

89Below average

095130300
BRFMR
Eff. Rent
0 BR$720$730
1 BR$810$740
2 BR$1,010$900
3 BR$1,320$1,070
4 BR$1,430$1,220
5 BR$1,644Not available
6 BR$1,891Not available
7 BR$2,175Not available
8 BR$2,501Not available

Purchase Price Calculator

Maximum purchase price
$71,823

Cost breakdown

+Likely effective rent$900
HUD FMR$1,010
Market rentUsed$900
Est. payment standard (93%)$940
-Principal and interest-$363
Loan amount$57,459
Down payment$14,365
Rate6.50%
Term30 years
-Operating costs-$337
Property taxes-$72
Insurance-$175
Utilities$0
HOA$0
Management-$90
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$14,781(102.9% ROI)
Projected value
$77,346
Return breakdown
Property appreciation+$5,523
Loan principal paid down+$2,059
Rental cash flow+$7,200
5-year hold
+$25,109(174.8% ROI)
Projected value
$81,261
Return breakdown
Property appreciation+$9,438
Loan principal paid down+$3,671
Rental cash flow+$12,000
10-year hold
+$52,864(368.0% ROI)
Projected value
$91,940
Return breakdown
Property appreciation+$20,117
Loan principal paid down+$8,747
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.97
1 BR
1.09
2 BR
1.12
3 BR
1.23
4 BR
1.17
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 25177 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 25177 (Saint Albans, WV) is $1,010 a month. That is up 1.0% from $1,000 in FY 2026. Saint Albans is in the Putnam County, WV 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 $1,091. Among 21 ZIP codes in Putnam County, 25177 has the 16th-highest two-bedroom rent (county range $950–$1,600). The median county two-bedroom FMR in West Virginia is $955, so ZIP 25177 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 25177
BedroomsFY 2027Change90–110% range
Studio$720−5.3%$648–$792
1BR$810+2.5%$729–$891
2BR$1,010+1.0%$909–$1,111
3BR$1,320−3.6%$1,188–$1,452
4BR$1,430−9.5%$1,287–$1,573

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 25177
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$720$810$1,010$1,320$1,430
FY 2026$760$790$1,000$1,370$1,580
FY 2025$740$840$1,030$1,330$1,520
FY 2024$700$800$970$1,270$1,400
FY 2023$640$740$890$1,170$1,310

Two-bedroom rent in nearby Putnam County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 25177
25070$1,130+11.9%
25082$1,070+5.9%
25109$1,110+9.9%
25123$1,290+27.7%
25124$1,130+11.9%
25143$1,070+5.9%
25159$1,060+5.0%
25168$1,030+2.0%
25177Current$1,010—
25213$1,120+10.9%
25245$1,020+1.0%
25248$950−5.9%

Questions about ZIP 25177 rents

How much will Section 8 pay for a two-bedroom in ZIP 25177?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,091, which applies unless the housing authority uses Small Area FMRs, that basic range is $982 to $1,200 a month; under the ZIP-level Small Area FMR of $1,010 it would be $909 to $1,111. 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 25177 in?

ZIP 25177 is in the Putnam County, WV HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,091.

How much did fair market rent change in ZIP 25177 for FY 2027?

The two-bedroom FMR rose 1.0%, from $1,000 in FY 2026 to $1,010 in FY 2027. Since FY 2023 it has risen 13.5%.

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 rentSaint Albans, WV fair market rentWV statewide rentsWhat is SAFMR?Data sources