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Summit County/Silverthorne/80498

80498

ZIPSAFMR
Summit County, CO
Zillow

ZIP Investment Score

38Below average

095130300
BRFMR
Eff. Rent
0 BR$1,730$1,730
1 BR$1,890$1,890
2 BR$2,470$2,470
3 BR$2,950$2,950
4 BR$3,360$3,360
5 BR$3,864Not available
6 BR$4,444Not available
7 BR$5,110Not available
8 BR$5,877Not available

Purchase Price Calculator

Maximum purchase price
$305,124

Cost breakdown

+Likely effective rent$2,470
HUD FMRUsed$2,470
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,543
Loan amount$244,100
Down payment$61,025
Rate6.50%
Term30 years
-Operating costs-$727
Property taxes-$305
Insurance-$175
Utilities$0
HOA$0
Management-$247
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,407(64.6% ROI)
Projected value
$328,586
Return breakdown
Property appreciation+$23,461
Loan principal paid down+$8,745
Rental cash flow+$7,200
5-year hold
+$67,691(110.9% ROI)
Projected value
$345,220
Return breakdown
Property appreciation+$40,096
Loan principal paid down+$15,596
Rental cash flow+$12,000
10-year hold
+$146,622(240.3% ROI)
Projected value
$390,585
Return breakdown
Property appreciation+$85,461
Loan principal paid down+$37,161
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 80498 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 80498 (Silverthorne, CO) is $2,470 a month. That is up 16.0% from $2,130 in FY 2026. Silverthorne is in the Summit County, CO 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 $2,766. Among 5 ZIP codes in Summit County, 80498 has the 4th-highest two-bedroom rent (county range $2,380–$3,590). The median county two-bedroom FMR in Colorado is $1,375, so ZIP 80498 is 80% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 80498
BedroomsFY 2027Change90–110% range
Studio$1,730+16.9%$1,557–$1,903
1BR$1,890+14.5%$1,701–$2,079
2BR$2,470+16.0%$2,223–$2,717
3BR$2,950+4.6%$2,655–$3,245
4BR$3,360+11.3%$3,024–$3,696

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 80498
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,730$1,890$2,470$2,950$3,360
FY 2026$1,480$1,650$2,130$2,820$3,020
FY 2025$1,420$1,590$2,090$2,820$3,290
FY 2024area FMR$1,551$1,690$2,220$3,128$3,650
FY 2023area FMR$1,350$1,573$1,860$2,643$3,168

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

Two-bedroom rent in nearby Summit County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 80498
80424$3,020+22.3%
80435$2,380−3.6%
80443$3,590+45.3%
80497$2,770+12.1%
80498Current$2,470—

Questions about ZIP 80498 rents

How much will Section 8 pay for a two-bedroom in ZIP 80498?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $2,766, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,489 to $3,043 a month; under the ZIP-level Small Area FMR of $2,470 it would be $2,223 to $2,717. 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 80498 in?

ZIP 80498 is in the Summit County, CO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $2,766.

How much did fair market rent change in ZIP 80498 for FY 2027?

The two-bedroom FMR rose 16.0%, from $2,130 in FY 2026 to $2,470 in FY 2027. Since FY 2025 it has risen 18.2%.

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 rentSilverthorne, CO fair market rentCO statewide rentsWhat is SAFMR?Data sources