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Bonner County/Blanchard/83804

83804

ZIPSAFMR
Bonner County, ID
Zillow

ZIP Investment Score

35Below average

095130300
BRFMR
Eff. Rent
0 BR$910$910
1 BR$930$930
2 BR$1,170$1,170
3 BR$1,600$1,600
4 BR$1,950$1,950
5 BR$2,243Not available
6 BR$2,579Not available
7 BR$2,966Not available
8 BR$3,411Not available

Purchase Price Calculator

Maximum purchase price
$111,945

Cost breakdown

+Likely effective rent$1,170
HUD FMRUsed$1,170
Market rentN/A
Est. payment standardN/A
-Principal and interest-$566
Loan amount$89,556
Down payment$22,389
Rate6.50%
Term30 years
-Operating costs-$404
Property taxes-$112
Insurance-$175
Utilities$0
HOA$0
Management-$117
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,016(84.9% ROI)
Projected value
$120,553
Return breakdown
Property appreciation+$8,608
Loan principal paid down+$3,209
Rental cash flow+$7,200
5-year hold
+$32,432(144.9% ROI)
Projected value
$126,656
Return breakdown
Property appreciation+$14,710
Loan principal paid down+$5,722
Rental cash flow+$12,000
10-year hold
+$68,988(308.1% ROI)
Projected value
$143,299
Return breakdown
Property appreciation+$31,354
Loan principal paid down+$13,634
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 83804 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 83804 (Blanchard, ID) is $1,170 a month. That is up 5.4% from $1,110 in FY 2026. Blanchard is in the Bonner County, ID 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 $1,328. Among 19 ZIP codes in Bonner County, 83804 has the 15th-highest two-bedroom rent (county range $1,140–$1,840). The median county two-bedroom FMR in Idaho is $1,127, so ZIP 83804 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 83804
BedroomsFY 2027Change90–110% range
Studio$910+12.3%$819–$1,001
1BR$930+5.7%$837–$1,023
2BR$1,170+5.4%$1,053–$1,287
3BR$1,600+5.3%$1,440–$1,760
4BR$1,950+9.6%$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 83804
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$910$930$1,170$1,600$1,950
FY 2026$810$880$1,110$1,520$1,780
FY 2025$760$840$1,060$1,460$1,750
FY 2024area FMR$825$830$1,068$1,505$1,812
FY 2023area FMR$761$766$955$1,357$1,627

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

Two-bedroom rent in nearby Bonner County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 83804
83801$1,460+24.8%
83803$1,400+19.7%
83804Current$1,170—
83809$1,330+13.7%
83811$1,190+1.7%
83813$1,290+10.3%
83821$1,140−2.6%
83822$1,140−2.6%
83825$1,400+19.7%
83836$1,210+3.4%
83840$1,840+57.3%
83841$1,180+0.9%

Questions about ZIP 83804 rents

How much will Section 8 pay for a two-bedroom in ZIP 83804?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,328, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,195 to $1,461 a month; under the ZIP-level Small Area FMR of $1,170 it would be $1,053 to $1,287. 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 83804 in?

ZIP 83804 is in the Bonner County, ID non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,328.

How much did fair market rent change in ZIP 83804 for FY 2027?

The two-bedroom FMR rose 5.4%, from $1,110 in FY 2026 to $1,170 in FY 2027. Since FY 2025 it has risen 10.4%.

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 rentBlanchard, ID fair market rentID statewide rentsWhat is SAFMR?Data sources