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Oconto County/Abrams/54101

54101

ZIPSAFMR
Oconto County, WI
Zillow

ZIP Investment Score

38Below average

095130300
BRFMR
Eff. Rent
0 BR$920$920
1 BR$1,010$1,010
2 BR$1,210$1,210
3 BR$1,640$1,640
4 BR$1,650$1,650
5 BR$1,897Not available
6 BR$2,182Not available
7 BR$2,509Not available
8 BR$2,886Not available

Purchase Price Calculator

Maximum purchase price
$117,889

Cost breakdown

+Likely effective rent$1,210
HUD FMRUsed$1,210
Market rentN/A
Est. payment standardN/A
-Principal and interest-$596
Loan amount$94,311
Down payment$23,578
Rate6.50%
Term30 years
-Operating costs-$414
Property taxes-$118
Insurance-$175
Utilities$0
HOA$0
Management-$121
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,644(83.3% ROI)
Projected value
$126,954
Return breakdown
Property appreciation+$9,065
Loan principal paid down+$3,379
Rental cash flow+$7,200
5-year hold
+$33,517(142.2% ROI)
Projected value
$133,381
Return breakdown
Property appreciation+$15,492
Loan principal paid down+$6,026
Rental cash flow+$12,000
10-year hold
+$71,377(302.7% ROI)
Projected value
$150,908
Return breakdown
Property appreciation+$33,019
Loan principal paid down+$14,358
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 54101 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 54101 (Abrams, WI) is $1,210 a month. That is up 5.2% from $1,150 in FY 2026. Abrams is in the Oconto County, WI HUD Metro 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 metro-wide two-bedroom FMR of $1,014. Among 21 ZIP codes in Oconto County, 54101 has the 2nd-highest two-bedroom rent (county range $1,010–$1,400). The median county two-bedroom FMR in Wisconsin is $1,041, so ZIP 54101 is 16% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 54101
BedroomsFY 2027Change90–110% range
Studio$920+8.2%$828–$1,012
1BR$1,010+7.4%$909–$1,111
2BR$1,210+5.2%$1,089–$1,331
3BR$1,640+9.3%$1,476–$1,804
4BR$1,650+8.6%$1,485–$1,815

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 54101
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$920$1,010$1,210$1,640$1,650
FY 2026$850$940$1,150$1,500$1,520
FY 2025$820$910$1,120$1,410$1,480
FY 2024$810$900$1,100$1,380$1,460
FY 2023$780$860$1,060$1,360$1,420

Two-bedroom rent in nearby Oconto County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 54101
54101Current$1,210—
54104$1,020−15.7%
54111$1,200−0.8%
54112$1,010−16.5%
54114$1,010−16.5%
54124$1,010−16.5%
54137$1,100−9.1%
54138$1,020−15.7%
54139$1,010−16.5%
54141$1,160−4.1%
54149$1,030−14.9%
54153$1,010−16.5%

Questions about ZIP 54101 rents

How much will Section 8 pay for a two-bedroom in ZIP 54101?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,210 it would be $1,089 to $1,331. 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 54101 in?

ZIP 54101 is in the Oconto County, WI HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,014.

How much did fair market rent change in ZIP 54101 for FY 2027?

The two-bedroom FMR rose 5.2%, from $1,150 in FY 2026 to $1,210 in FY 2027. Since FY 2023 it has risen 14.2%.

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 rentAbrams, WI fair market rentWI statewide rentsWhat is SAFMR?Data sources