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Delta County/Delta/81416

81416

ZIPSAFMR
Delta County, CO
Zillow

ZIP Investment Score

55Below average

095130300
BRFMR
Eff. Rent
0 BR$930$1,020
1 BR$960$1,060
2 BR$1,250$1,370
3 BR$1,730$1,580
4 BR$2,080$1,630
5 BR$2,392Not available
6 BR$2,751Not available
7 BR$3,163Not available
8 BR$3,638Not available

Purchase Price Calculator

Maximum purchase price
$141,665

Cost breakdown

+Likely effective rent$1,370
HUD FMR$1,250
Market rent$1,430
Est. payment standard (109%)Used$1,370
-Principal and interest-$716
Loan amount$113,332
Down payment$28,333
Rate6.50%
Term30 years
-Operating costs-$454
Property taxes-$142
Insurance-$175
Utilities$0
HOA$0
Management-$137
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,153(78.2% ROI)
Projected value
$152,558
Return breakdown
Property appreciation+$10,893
Loan principal paid down+$4,060
Rental cash flow+$7,200
5-year hold
+$37,857(133.6% ROI)
Projected value
$160,281
Return breakdown
Property appreciation+$18,616
Loan principal paid down+$7,241
Rental cash flow+$12,000
10-year hold
+$80,932(285.6% ROI)
Projected value
$181,343
Return breakdown
Property appreciation+$39,678
Loan principal paid down+$17,254
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.73
1 BR
0.76
2 BR
0.87
3 BR
1.09
4 BR
1.28
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 81416 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 81416 (Delta, CO) is $1,250 a month. That is up 14.7% from $1,090 in FY 2026. Delta is in the Delta 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 $1,266. Among 9 ZIP codes in Delta County, 81416 has the 7th-highest two-bedroom rent (county range $1,170–$1,510). The median county two-bedroom FMR in Colorado is $1,375, so ZIP 81416 is 9% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 81416
BedroomsFY 2027Change90–110% range
Studio$930+12.0%$837–$1,023
1BR$960+14.3%$864–$1,056
2BR$1,250+14.7%$1,125–$1,375
3BR$1,730+15.3%$1,557–$1,903
4BR$2,080+13.7%$1,872–$2,288

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 81416
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$960$1,250$1,730$2,080
FY 2026$830$840$1,090$1,500$1,830
FY 2025$830$830$1,090$1,540$1,850
FY 2024area FMR$883$889$1,146$1,556$1,827
FY 2023area FMR$804$809$1,065$1,388$1,531

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

Two-bedroom rent in nearby Delta County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 81416
81410$1,170−6.4%
81413$1,380+10.4%
81414$1,270+1.6%
81415$1,310+4.8%
81416Current$1,250—
81418$1,510+20.8%
81419$1,300+4.0%
81420$1,270+1.6%
81428$1,210−3.2%

Questions about ZIP 81416 rents

How much will Section 8 pay for a two-bedroom in ZIP 81416?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,266, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,139 to $1,393 a month; under the ZIP-level Small Area FMR of $1,250 it would be $1,125 to $1,375. 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 81416 in?

ZIP 81416 is in the Delta County, CO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,266.

How much did fair market rent change in ZIP 81416 for FY 2027?

The two-bedroom FMR rose 14.7%, from $1,090 in FY 2026 to $1,250 in FY 2027. Since FY 2025 it has risen 14.7%.

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