Skip to main content
Loading page
Bonner County/Ponderay/83852

83852

ZIPSAFMR
Bonner County, ID
Zillow

ZIP Investment Score

45Below average

095130300
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,030$1,130
2 BR$1,350$1,490
3 BR$1,870$2,060
4 BR$2,230$2,280
5 BR$2,565Not available
6 BR$2,949Not available
7 BR$3,392Not available
8 BR$3,900Not available

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,350
Market rent$2,140
Est. payment standard (110%)Used$1,490
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.71
1 BR
0.62
2 BR
0.63
3 BR
0.85
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 83852 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 83852 (Ponderay, ID) is $1,350 a month. That is up 8.9% from $1,240 in FY 2026. Ponderay 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, 83852 has the 7th-highest two-bedroom rent (county range $1,140–$1,840). The median county two-bedroom FMR in Idaho is $1,127, so ZIP 83852 is 20% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 83852
BedroomsFY 2027Change90–110% range
Studio$1,030+9.6%$927–$1,133
1BR$1,030+8.4%$927–$1,133
2BR$1,350+8.9%$1,215–$1,485
3BR$1,870+8.7%$1,683–$2,057
4BR$2,230+18.6%$2,007–$2,453

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 83852
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,030$1,030$1,350$1,870$2,230
FY 2026$940$950$1,240$1,720$1,880
FY 2025$760$770$1,010$1,420$1,640
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. 83852
83822$1,140−15.6%
83825$1,400+3.7%
83836$1,210−10.4%
83840$1,840+36.3%
83841$1,180−12.6%
83848$1,140−15.6%
83852Current$1,350—
83856$1,140−15.6%
83860$1,310−3.0%
83864$1,470+8.9%
83865$1,330−1.5%
83869$1,400+3.7%

Questions about ZIP 83852 rents

How much will Section 8 pay for a two-bedroom in ZIP 83852?

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 $1,350 it would be $1,215 to $1,485. 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 83852 in?

ZIP 83852 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 83852 for FY 2027?

The two-bedroom FMR rose 8.9%, from $1,240 in FY 2026 to $1,350 in FY 2027. Since FY 2025 it has risen 33.7%.

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