25401
ZIPSAFMR
Berkeley County, WV
BRFMR
Eff. Rent
0 BR$760$830
1 BR$870$960
2 BR$1,100$1,180
3 BR$1,520$1,670
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
$113,431

Cost breakdown

+Likely effective rent$1,180
HUD FMR$1,100
Market rent$1,220
Est. payment standard (107%)Used$1,180
Estimated payment standard is $1,180 (107% of FMR).
-Principal and interest-$574
Loan amount$90,745
Down payment$22,686
Rate6.50%
Term30 years
-Operating costs-$406
Property taxes-$113
Insurance-$175
Utilities$0
HOA$0
Management-$118
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,173(84.5% ROI)
Projected value
$122,153
Current value$113,431
Return breakdown
Property appreciation+$8,722
Loan principal paid down+$3,251
Rental cash flow+$7,200
5-year hold
+$32,703(144.2% ROI)
Projected value
$128,337
Current value$113,431
Return breakdown
Property appreciation+$14,906
Loan principal paid down+$5,798
Rental cash flow+$12,000
10-year hold
+$69,585(306.7% ROI)
Projected value
$145,201
Current value$113,431
Return breakdown
Property appreciation+$31,770
Loan principal paid down+$13,815
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
0.87ratio
FMR$760
Market$870
vs market-$110

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

90% standard$684 / 0.79 ratio110% standard$836 / 0.96 ratio
0.87
1 BR
1 BR
0.84ratio
FMR$870
Market$1,030
vs market-$160

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

90% standard$783 / 0.76 ratio110% standard$957 / 0.93 ratio
0.84
2 BR
2 BR
0.90ratio
FMR$1,100
Market$1,220
vs market-$120

FMR is near market; voucher and private rents are aligned.

90% standard$990 / 0.81 ratio110% standard$1,210 / 0.99 ratio
0.90
3 BR
3 BR
0.86ratio
FMR$1,520
Market$1,760
vs market-$240

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

90% standard$1,368 / 0.78 ratio110% standard$1,672 / 0.95 ratio
0.86
4 BR
4 BR
0.83ratio
FMR$1,820
Market$2,200
vs market-$380

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

90% standard$1,638 / 0.74 ratio110% standard$2,002 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 25401 (WV) 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.

25401 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 25401 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,100 and the 4 bedroom fair market rent is $1,820.

Use this page for searches like 25401 FMR, 25401 fair market rent, and 25401 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 25401
Bedroom sizeHUD FMR
Studio$760
1 bedroom$870
2 bedroom$1,100
3 bedroom$1,520
4 bedroom$1,820