98276
ZIPSAFMR
Whatcom County, WA
BRFMR
Eff. Rent
0 BR$1,610$1,570
1 BR$1,650$1,550
2 BR$1,980$1,870
3 BR$2,750$2,420
4 BR$3,320$2,820
5 BR$3,818
6 BR$4,391
7 BR$5,049
8 BR$5,807

Purchase Price Calculator

Maximum purchase price
$215,965

Cost breakdown

+Likely effective rent$1,870
HUD FMR$1,980
Market rentUsed$1,870
Est. payment standard (96%)$1,910
Market rent is below the inferred standard ($1,910, 96% of FMR).
-Principal and interest-$1,092
Loan amount$172,772
Down payment$43,193
Rate6.50%
Term30 years
-Operating costs-$578
Property taxes-$216
Insurance-$175
Utilities$0
HOA$0
Management-$187
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,996(69.4% ROI)
Projected value
$232,570
Current value$215,965
Return breakdown
Property appreciation+$16,606
Loan principal paid down+$6,190
Rental cash flow+$7,200
5-year hold
+$51,418(119.0% ROI)
Projected value
$244,344
Current value$215,965
Return breakdown
Property appreciation+$28,380
Loan principal paid down+$11,038
Rental cash flow+$12,000
10-year hold
+$110,791(256.5% ROI)
Projected value
$276,453
Current value$215,965
Return breakdown
Property appreciation+$60,488
Loan principal paid down+$26,303
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
1.03ratio
FMR$1,610
Market$1,570
vs market+$40

FMR is near market; voucher and private rents are aligned.

90% standard$1,449 / 0.92 ratio110% standard$1,771 / 1.13 ratio
1.03
1 BR
1 BR
1.06ratio
FMR$1,650
Market$1,550
vs market+$100

FMR is near market; voucher and private rents are aligned.

90% standard$1,485 / 0.96 ratio110% standard$1,815 / 1.17 ratio
1.06
2 BR
2 BR
1.06ratio
FMR$1,980
Market$1,870
vs market+$110

FMR is near market; voucher and private rents are aligned.

90% standard$1,782 / 0.95 ratio110% standard$2,178 / 1.16 ratio
1.06
3 BR
3 BR
1.14ratio
FMR$2,750
Market$2,420
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$2,475 / 1.02 ratio110% standard$3,025 / 1.25 ratio
1.14
4 BR
4 BR
1.18ratio
FMR$3,320
Market$2,820
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$2,988 / 1.06 ratio110% standard$3,652 / 1.30 ratio
1.18
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 98276 (WA) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

98276 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 98276 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,980 and the 4 bedroom fair market rent is $3,320.

Use this page for searches like 98276 FMR, 98276 fair market rent, and 98276 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 98276
Bedroom sizeHUD FMR
Studio$1,610
1 bedroom$1,650
2 bedroom$1,980
3 bedroom$2,750
4 bedroom$3,320