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25330

ZIPSAFMR
Kanawha County, WV
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$730$790
1 BR$850$900
2 BR$1,050$920
3 BR$1,330$1,120
4 BR$1,380$1,210
5 BR$1,587Not available
6 BR$1,825Not available
7 BR$2,099Not available
8 BR$2,414Not available

Purchase Price Calculator

Maximum purchase price
$74,795

Cost breakdown

+Likely effective rent$920
HUD FMR$1,050
Market rentUsed$920
Est. payment standard (92%)$970
-Principal and interest-$378
Loan amount$59,836
Down payment$14,959
Rate6.50%
Term30 years
-Operating costs-$342
Property taxes-$75
Insurance-$175
Utilities$0
HOA$0
Management-$92
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,095(100.9% ROI)
Projected value
$80,546
Return breakdown
Property appreciation+$5,751
Loan principal paid down+$2,144
Rental cash flow+$7,200
5-year hold
+$25,652(171.5% ROI)
Projected value
$84,624
Return breakdown
Property appreciation+$9,829
Loan principal paid down+$3,823
Rental cash flow+$12,000
10-year hold
+$54,058(361.4% ROI)
Projected value
$95,744
Return breakdown
Property appreciation+$20,949
Loan principal paid down+$9,109
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.92
2 BR
1.14
3 BR
1.19
4 BR
1.14
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 25330 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 25330 (Charleston, WV) is $1,050 a month. That is up 1.0% from $1,040 in FY 2026. Charleston is in the Charleston, 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 $1,048. Among 75 ZIP codes in Kanawha County, 25330 is tied for the 15th-highest two-bedroom rent (county range $940–$1,450). The median county two-bedroom FMR in West Virginia is $955, so ZIP 25330 is 10% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 25330
BedroomsFY 2027Change90–110% range
Studio$730+1.4%$657–$803
1BR$850+2.4%$765–$935
2BR$1,050+1.0%$945–$1,155
3BR$1,3300.0%$1,197–$1,463
4BR$1,3800.0%$1,242–$1,518

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 25330
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$730$850$1,050$1,330$1,380
FY 2026$720$830$1,040$1,330$1,380
FY 2025$730$860$1,060$1,360$1,410
FY 2024$690$820$1,000$1,310$1,330
FY 2023$650$760$910$1,190$1,250

Questions about ZIP 25330 rents

How much will Section 8 pay for a two-bedroom in ZIP 25330?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,048, which applies unless the housing authority uses Small Area FMRs, that basic range is $943 to $1,153 a month; under the ZIP-level Small Area FMR of $1,050 it would be $945 to $1,155. 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 25330 in?

ZIP 25330 is in the Charleston, WV HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,048.

How much did fair market rent change in ZIP 25330 for FY 2027?

The two-bedroom FMR rose 1.0%, from $1,040 in FY 2026 to $1,050 in FY 2027. Since FY 2023 it has risen 15.4%.

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