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Summers County/White Oak/25989

25989

ZIPSAFMR
Summers County, WV
Zillow

ZIP Investment Score

82Below average

095130300
BRFMR
Eff. Rent
0 BR$750$750
1 BR$760$760
2 BR$970$970
3 BR$1,340$1,340
4 BR$1,400$1,400
5 BR$1,610Not available
6 BR$1,851Not available
7 BR$2,129Not available
8 BR$2,449Not available

Purchase Price Calculator

Maximum purchase price
$82,225

Cost breakdown

+Likely effective rent$970
HUD FMRUsed$970
Market rentN/A
Est. payment standardN/A
-Principal and interest-$416
Loan amount$65,780
Down payment$16,445
Rate6.50%
Term30 years
-Operating costs-$354
Property taxes-$82
Insurance-$175
Utilities$0
HOA$0
Management-$97
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,879(96.6% ROI)
Projected value
$88,547
Return breakdown
Property appreciation+$6,322
Loan principal paid down+$2,357
Rental cash flow+$7,200
5-year hold
+$27,008(164.2% ROI)
Projected value
$93,030
Return breakdown
Property appreciation+$10,805
Loan principal paid down+$4,203
Rental cash flow+$12,000
10-year hold
+$57,044(346.9% ROI)
Projected value
$105,255
Return breakdown
Property appreciation+$23,030
Loan principal paid down+$10,014
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
--
Mortgage rate
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ZIP 25989 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 25989 (White Oak, WV) is $970 a month. That is up 3.2% from $940 in FY 2026. White Oak is in the Summers County, WV non-metropolitan 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 county-wide two-bedroom FMR of $944. Among 21 ZIP codes in Summers County, 25989 is tied for the 4th-highest two-bedroom rent (county range $940–$1,030). The median county two-bedroom FMR in West Virginia is $955, so ZIP 25989 is 2% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 25989
BedroomsFY 2027Change90–110% range
Studio$750+5.6%$675–$825
1BR$760+5.6%$684–$836
2BR$970+3.2%$873–$1,067
3BR$1,340+2.3%$1,206–$1,474
4BR$1,400+2.2%$1,260–$1,540

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 25989
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$750$760$970$1,340$1,400
FY 2026$710$720$940$1,310$1,370
FY 2025$710$720$940$1,290$1,400
FY 2024$670$680$880$1,240$1,350
FY 2023$630$630$780$1,110$1,270

Two-bedroom rent in nearby Summers County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 25989
25825$9700.0%
25841$950−2.1%
25951$940−3.1%
25966$940−3.1%
25969$940−3.1%
25976$940−3.1%
25977$950−2.1%
25978$940−3.1%
25979$980+1.0%
25985$940−3.1%
25986$940−3.1%
25989Current$970—

Questions about ZIP 25989 rents

How much will Section 8 pay for a two-bedroom in ZIP 25989?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $944, which applies unless the housing authority uses Small Area FMRs, that basic range is $850 to $1,038 a month; under the ZIP-level Small Area FMR of $970 it would be $873 to $1,067. 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 25989 in?

ZIP 25989 is in the Summers County, WV non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $944.

How much did fair market rent change in ZIP 25989 for FY 2027?

The two-bedroom FMR rose 3.2%, from $940 in FY 2026 to $970 in FY 2027. Since FY 2023 it has risen 24.4%.

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

County fair market rentWhite Oak, WV fair market rentWV statewide rentsWhat is SAFMR?Data sources