Berkeley County/Goose Creek/29445

29445

ZIPSAFMR

Berkeley County, SC

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ZIP Investment Score

136High yield potential

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$1,600	$1,670	8.3%
1 BR	$1,670	$1,580	9.0%
2 BR	$1,820	$1,810	7.9%
3 BR	$2,260	$2,120	8.1%
4 BR	$2,600	$2,440	6.0%
5 BR	$2,990	Not available	6.0%
6 BR	$3,438	Not available	6.0%
7 BR	$3,954	Not available	6.0%
8 BR	$4,547	Not available	6.0%

Purchase Price Calculator

Maximum purchase price

$207,049

Cost breakdown

+Likely effective rent$1,810

HUD FMR$1,820

Market rentUsed$1,810

Est. payment standard (100%)$1,810

-Principal and interest-$1,047

Loan amount$165,639

Down payment$41,410

Rate6.50%

Term30 years

-Operating costs-$563

Property taxes-$207

Insurance-$175

Utilities$0

HOA$0

Management-$181

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$29,055(70.2% ROI)

Projected value

$222,969

Return breakdown

Property appreciation+$15,920

Loan principal paid down+$5,934

Rental cash flow+$7,200

5-year hold

+$49,791(120.2% ROI)

Projected value

$234,257

Return breakdown

Property appreciation+$27,208

Loan principal paid down+$10,583

Rental cash flow+$12,000

10-year hold

+$107,208(258.9% ROI)

Projected value

$265,040

Return breakdown

Property appreciation+$57,991

Loan principal paid down+$25,217

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.94ratio

FMR$1,600

Market$1,710

vs market-$110

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

0.94

1 BR

1.06ratio

FMR$1,670

Market$1,580

vs market+$90

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

1.06

2 BR

1.01ratio

FMR$1,820

Market$1,810

vs market+$10

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

1.01

3 BR

1.07ratio

FMR$2,260

Market$2,120

vs market+$140

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

1.07

4 BR

1.07ratio

FMR$2,600

Market$2,440

vs market+$160

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

1.07

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 29445 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 29445 (Goose Creek, SC) is $1,820 a month. That is up 2.8% from $1,770 in FY 2026. Goose Creek is in the Charleston-North Charleston, SC MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 19 ZIP codes in Berkeley County, 29445 has the 6th-highest two-bedroom rent (county range $1,170–$2,770). The median county two-bedroom FMR in South Carolina is $1,098, so ZIP 29445 is 66% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 29445
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$1,540	$1,600	+3.9%	$1,440–$1,760
1BR	$1,610	$1,670	+3.7%	$1,503–$1,837
2BR	$1,770	$1,820	+2.8%	$1,638–$2,002
3BR	$2,200	$2,260	+2.7%	$2,034–$2,486
4BR	$2,540	$2,600	+2.4%	$2,340–$2,860

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 29445
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$1,600	$1,670	$1,820	$2,260	$2,600
FY 2026	$1,540	$1,610	$1,770	$2,200	$2,540
FY 2025	$1,500	$1,550	$1,720	$2,130	$2,510
FY 2024	$1,260	$1,290	$1,450	$1,790	$2,180
FY 2023	$1,210	$1,240	$1,400	$1,740	$2,190

Two-bedroom rent in nearby Berkeley County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 29445
29431	$1,350	−25.8%
29434	$1,490	−18.1%
29436	$1,170	−35.7%
29445Current	$1,820	—
29450	$2,140	+17.6%
29453	$1,570	−13.7%
29456	$1,890	+3.8%
29461	$1,570	−13.7%
29466	$2,770	+52.2%
29468	$1,170	−35.7%
29469	$1,450	−20.3%
29472	$1,430	−21.4%

Questions about ZIP 29445 rents

How much will Section 8 pay for a two-bedroom in ZIP 29445?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,820, that basic range is $1,638 to $2,002 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 29445 in?

ZIP 29445 is in the Charleston-North Charleston, SC MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 29445 for FY 2027?

The two-bedroom FMR rose 2.8%, from $1,770 in FY 2026 to $1,820 in FY 2027. Since FY 2023 it has risen 30.0%.

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 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 rent Goose Creek, SC fair market rent SC statewide rents What is SAFMR?Data sources