25405
ZIPSAFMR
Berkeley County, WV
BRFMR
Eff. Rent
0 BR$1,050$760
1 BR$1,200$1,010
2 BR$1,520$1,190
3 BR$2,100$1,850
4 BR$2,400$2,270
5 BR$2,760
6 BR$3,174
7 BR$3,650
8 BR$4,198

Purchase Price Calculator

Maximum purchase price
$114,917

Cost breakdown

+Likely effective rent$1,190
HUD FMR$1,520
Market rentUsed$1,190
Est. payment standard (90%)$1,370
Market rent is below the inferred standard ($1,370, 90% of FMR).
-Principal and interest-$581
Loan amount$91,934
Down payment$22,983
Rate6.50%
Term30 years
-Operating costs-$409
Property taxes-$115
Insurance-$175
Utilities$0
HOA$0
Management-$119
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,330(84.1% ROI)
Projected value
$123,753
Current value$114,917
Return breakdown
Property appreciation+$8,836
Loan principal paid down+$3,294
Rental cash flow+$7,200
5-year hold
+$32,975(143.5% ROI)
Projected value
$130,018
Current value$114,917
Return breakdown
Property appreciation+$15,101
Loan principal paid down+$5,874
Rental cash flow+$12,000
10-year hold
+$70,182(305.4% ROI)
Projected value
$147,103
Current value$114,917
Return breakdown
Property appreciation+$32,186
Loan principal paid down+$13,996
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
1.38ratio
FMR$1,050
Market$760
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$945 / 1.24 ratio110% standard$1,155 / 1.52 ratio
1.38
1 BR
1 BR
1.19ratio
FMR$1,200
Market$1,010
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,080 / 1.07 ratio110% standard$1,320 / 1.31 ratio
1.19
2 BR
2 BR
1.28ratio
FMR$1,520
Market$1,190
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,368 / 1.15 ratio110% standard$1,672 / 1.41 ratio
1.28
3 BR
3 BR
1.14ratio
FMR$2,100
Market$1,850
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$1,890 / 1.02 ratio110% standard$2,310 / 1.25 ratio
1.14
4 BR
4 BR
1.06ratio
FMR$2,400
Market$2,270
vs market+$130

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

90% standard$2,160 / 0.95 ratio110% standard$2,640 / 1.16 ratio
1.06
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 25405 (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.

25405 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 25405 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,520 and the 4 bedroom fair market rent is $2,400.

Use this page for searches like 25405 FMR, 25405 fair market rent, and 25405 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 25405
Bedroom sizeHUD FMR
Studio$1,050
1 bedroom$1,200
2 bedroom$1,520
3 bedroom$2,100
4 bedroom$2,400