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Jackson County/Gold Hill/97525

97525

ZIPSAFMR
Jackson County, OR
Zillow

ZIP Investment Score

48Below average

095130300
BRFMR
Eff. Rent
0 BR$990$1,090
1 BR$1,140$1,250
2 BR$1,410$1,550
3 BR$1,950$1,850
4 BR$2,330$2,090
5 BR$2,680Not available
6 BR$3,081Not available
7 BR$3,544Not available
8 BR$4,075Not available

Purchase Price Calculator

Maximum purchase price
$168,413

Cost breakdown

+Likely effective rent$1,550
HUD FMR$1,410
Market rent$1,760
Est. payment standard (110%)Used$1,550
-Principal and interest-$852
Loan amount$134,730
Down payment$33,683
Rate6.50%
Term30 years
-Operating costs-$498
Property taxes-$168
Insurance-$175
Utilities$0
HOA$0
Management-$155
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,976(74.2% ROI)
Projected value
$181,362
Return breakdown
Property appreciation+$12,949
Loan principal paid down+$4,827
Rental cash flow+$7,200
5-year hold
+$42,739(126.9% ROI)
Projected value
$190,544
Return breakdown
Property appreciation+$22,131
Loan principal paid down+$8,608
Rental cash flow+$12,000
10-year hold
+$91,681(272.2% ROI)
Projected value
$215,583
Return breakdown
Property appreciation+$47,170
Loan principal paid down+$20,511
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.62
1 BR
0.70
2 BR
0.80
3 BR
1.05
4 BR
1.11
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 97525 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 97525 (Gold Hill, OR) is $1,410 a month. That is down 0.7% from $1,420 in FY 2026. Gold Hill is in the Medford, OR MSA. 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 metro-wide two-bedroom FMR of $1,539. Among 18 ZIP codes in Jackson County, 97525 has the 12th-highest two-bedroom rent (county range $1,380–$2,000). The median county two-bedroom FMR in Oregon is $1,325, so ZIP 97525 is 6% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 97525
BedroomsFY 2027Change90–110% range
Studio$990+1.0%$891–$1,089
1BR$1,1400.0%$1,026–$1,254
2BR$1,410−0.7%$1,269–$1,551
3BR$1,950−1.0%$1,755–$2,145
4BR$2,3300.0%$2,097–$2,563

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 97525
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$990$1,140$1,410$1,950$2,330
FY 2026$980$1,140$1,420$1,970$2,330
FY 2025$990$1,120$1,440$2,020$2,380
FY 2024$960$1,070$1,410$1,990$2,380
FY 2023$910$1,030$1,360$1,930$2,320

Two-bedroom rent in nearby Jackson County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 97525
97520$1,610+14.2%
97522$1,380−2.1%
97524$1,450+2.8%
97525Current$1,410—
97526$1,380−2.1%
97527$1,520+7.8%
97530$2,000+41.8%
97535$1,430+1.4%
97536$1,380−2.1%
97537$1,470+4.3%
97539$1,390−1.4%
97540$1,730+22.7%

Questions about ZIP 97525 rents

How much will Section 8 pay for a two-bedroom in ZIP 97525?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,539, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,385 to $1,693 a month; under the ZIP-level Small Area FMR of $1,410 it would be $1,269 to $1,551. 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 97525 in?

ZIP 97525 is in the Medford, OR MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,539.

How much did fair market rent change in ZIP 97525 for FY 2027?

The two-bedroom FMR fell 0.7%, from $1,420 in FY 2026 to $1,410 in FY 2027. Since FY 2023 it has risen 3.7%.

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 rentGold Hill, OR fair market rentOR statewide rentsWhat is SAFMR?Data sources