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Guernsey County/Cambridge/43725

43725

ZIPSAFMR
Guernsey County, OH
Zillow

ZIP Investment Score

95Below average

095130300
BRFMR
Eff. Rent
0 BR$760$840
1 BR$770$850
2 BR$1,000$1,080
3 BR$1,340$1,260
4 BR$1,620$1,390
5 BR$1,863Not available
6 BR$2,142Not available
7 BR$2,464Not available
8 BR$2,833Not available

Purchase Price Calculator

Maximum purchase price
$98,571

Cost breakdown

+Likely effective rent$1,080
HUD FMR$1,000
Market rent$1,130
Est. payment standard (108%)Used$1,080
-Principal and interest-$498
Loan amount$78,857
Down payment$19,714
Rate6.50%
Term30 years
-Operating costs-$382
Property taxes-$99
Insurance-$175
Utilities$0
HOA$0
Management-$108
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,604(89.3% ROI)
Projected value
$106,150
Return breakdown
Property appreciation+$7,579
Loan principal paid down+$2,825
Rental cash flow+$7,200
5-year hold
+$29,991(152.1% ROI)
Projected value
$111,524
Return breakdown
Property appreciation+$12,953
Loan principal paid down+$5,038
Rental cash flow+$12,000
10-year hold
+$63,613(322.7% ROI)
Projected value
$126,179
Return breakdown
Property appreciation+$27,608
Loan principal paid down+$12,005
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.85
1 BR
0.82
2 BR
0.88
3 BR
1.06
4 BR
1.17
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 43725 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 43725 (Cambridge, OH) is $1,000 a month. That is up 3.1% from $970 in FY 2026. Cambridge is in the Guernsey County, OH 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 $1,003. Among 20 ZIP codes in Guernsey County, 43725 is tied for the 17th-highest two-bedroom rent (county range $1,000–$1,500). The median county two-bedroom FMR in Ohio is $1,048, so ZIP 43725 is 5% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 43725
BedroomsFY 2027Change90–110% range
Studio$760+2.7%$684–$836
1BR$770+4.1%$693–$847
2BR$1,000+3.1%$900–$1,100
3BR$1,340+4.7%$1,206–$1,474
4BR$1,620+3.2%$1,458–$1,782

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 43725
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$760$770$1,000$1,340$1,620
FY 2026$740$740$970$1,280$1,570
FY 2025$660$670$880$1,150$1,380
FY 2024area FMR$639$655$860$1,090$1,315
FY 2023area FMR$571$649$854$1,069$1,301

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Guernsey County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 43725
43722$1,100+10.0%
43723$1,0000.0%
43725Current$1,000—
43732$1,0000.0%
43733$1,040+4.0%
43736$1,090+9.0%
43749$1,040+4.0%
43750$1,010+1.0%
43755$1,230+23.0%
43762$1,010+1.0%
43768$1,500+50.0%
43772$1,0000.0%

Questions about ZIP 43725 rents

How much will Section 8 pay for a two-bedroom in ZIP 43725?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,003, which applies unless the housing authority uses Small Area FMRs, that basic range is $903 to $1,103 a month; under the ZIP-level Small Area FMR of $1,000 it would be $900 to $1,100. 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 43725 in?

ZIP 43725 is in the Guernsey County, OH non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,003.

How much did fair market rent change in ZIP 43725 for FY 2027?

The two-bedroom FMR rose 3.1%, from $970 in FY 2026 to $1,000 in FY 2027. Since FY 2025 it has risen 13.6%.

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 rentCambridge, OH fair market rentOH statewide rentsWhat is SAFMR?Data sources