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25317

ZIPFMR
Kanawha County, WV
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$730$750
1 BR$844$800
2 BR$1,048$1,030
3 BR$1,324$1,380
4 BR$1,377$1,510
5 BR$1,584Not available
6 BR$1,821Not available
7 BR$2,094Not available
8 BR$2,408Not available

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMR$1,048
Market rentUsed$1,030
Est. payment standard (99%)$1,040
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
1.05
2 BR
1.02
3 BR
0.94
4 BR
0.80
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 25317 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 25317 (Charleston, WV) is $1,048 a month. That is up 1.2% from $1,036 in FY 2026. Charleston is in the Charleston, WV HUD Metro FMR Area. The median county two-bedroom FMR in West Virginia is $955, so ZIP 25317 is 10% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 25317
BedroomsFY 2027Change90–110% range
Studio$730+2.2%$657–$803
1BR$844+1.8%$760–$928
2BR$1,048+1.2%$943–$1,153
3BR$1,324−0.1%$1,192–$1,456
4BR$1,377+0.4%$1,239–$1,515

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 25317
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$730$844$1,048$1,324$1,377
FY 2026$714$829$1,036$1,325$1,372
FY 2025$723$856$1,054$1,356$1,397
FY 2024$688$816$994$1,300$1,324
FY 2023$652$757$911$1,196$1,248

Questions about ZIP 25317 rents

How much will Section 8 pay for a two-bedroom in ZIP 25317?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,048, that basic range is $943 to $1,153 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 25317 in?

ZIP 25317 is in the Charleston, WV HUD Metro FMR Area. Small Area FMRs are not mandatory in this area.

How much did fair market rent change in ZIP 25317 for FY 2027?

The two-bedroom FMR rose 1.2%, from $1,036 in FY 2026 to $1,048 in FY 2027. Since FY 2023 it has risen 15.0%.

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 Fair Market Rents. 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