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Bonner County/Cocolalla/83813

83813

ZIPSAFMR
Bonner County, ID
Zillow

ZIP Investment Score

30Below average

095130300
BRFMR
Eff. Rent
0 BR$980$980
1 BR$990$990
2 BR$1,290$1,290
3 BR$1,780$1,780
4 BR$2,130$2,130
5 BR$2,450Not available
6 BR$2,817Not available
7 BR$3,239Not available
8 BR$3,725Not available

Purchase Price Calculator

Maximum purchase price
$129,777

Cost breakdown

+Likely effective rent$1,290
HUD FMRUsed$1,290
Market rentN/A
Est. payment standardN/A
-Principal and interest-$656
Loan amount$103,822
Down payment$25,955
Rate6.50%
Term30 years
-Operating costs-$434
Property taxes-$130
Insurance-$175
Utilities$0
HOA$0
Management-$129
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,898(80.5% ROI)
Projected value
$139,756
Return breakdown
Property appreciation+$9,979
Loan principal paid down+$3,720
Rental cash flow+$7,200
5-year hold
+$35,687(137.5% ROI)
Projected value
$146,831
Return breakdown
Property appreciation+$17,054
Loan principal paid down+$6,633
Rental cash flow+$12,000
10-year hold
+$76,154(293.4% ROI)
Projected value
$166,126
Return breakdown
Property appreciation+$36,349
Loan principal paid down+$15,806
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 83813 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 83813 (Cocolalla, ID) is $1,290 a month. That is up 7.5% from $1,200 in FY 2026. Cocolalla 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, 83813 has the 11th-highest two-bedroom rent (county range $1,140–$1,840). The median county two-bedroom FMR in Idaho is $1,127, so ZIP 83813 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 83813
BedroomsFY 2027Change90–110% range
Studio$980+7.7%$882–$1,078
1BR$990+7.6%$891–$1,089
2BR$1,290+7.5%$1,161–$1,419
3BR$1,780+6.0%$1,602–$1,958
4BR$2,130+16.4%$1,917–$2,343

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 83813
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$980$990$1,290$1,780$2,130
FY 2026$910$920$1,200$1,680$1,830
FY 2025$790$790$1,040$1,460$1,670
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. 83813
83801$1,460+13.2%
83803$1,400+8.5%
83804$1,170−9.3%
83809$1,330+3.1%
83811$1,190−7.8%
83813Current$1,290—
83821$1,140−11.6%
83822$1,140−11.6%
83825$1,400+8.5%
83836$1,210−6.2%
83840$1,840+42.6%
83841$1,180−8.5%

Questions about ZIP 83813 rents

How much will Section 8 pay for a two-bedroom in ZIP 83813?

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 $1,290 it would be $1,161 to $1,419. 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 83813 in?

ZIP 83813 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 83813 for FY 2027?

The two-bedroom FMR rose 7.5%, from $1,200 in FY 2026 to $1,290 in FY 2027. Since FY 2025 it has risen 24.0%.

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