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Grays Harbor County/Aberdeen/98520

98520

ZIPSAFMR
Grays Harbor County, WA
Zillow

ZIP Investment Score

83Below average

095130300
BRFMR
Eff. Rent
0 BR$930$1,020
1 BR$1,030$1,130
2 BR$1,330$1,420
3 BR$1,840$1,830
4 BR$2,100$1,880
5 BR$2,415Not available
6 BR$2,777Not available
7 BR$3,194Not available
8 BR$3,673Not available

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,330
Market rent$1,470
Est. payment standard (107%)Used$1,420
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.84
1 BR
0.86
2 BR
0.90
3 BR
1.01
4 BR
1.12
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 98520 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 98520 (Aberdeen, WA) is $1,330 a month. That is up 9.9% from $1,210 in FY 2026. Aberdeen is in the Grays Harbor County, WA 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 $1,345. Among 22 ZIP codes in Grays Harbor County, 98520 has the 15th-highest two-bedroom rent (county range $1,100–$1,770). The median county two-bedroom FMR in Washington is $1,467, so ZIP 98520 is 9% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 98520
BedroomsFY 2027Change90–110% range
Studio$930+12.0%$837–$1,023
1BR$1,030+12.0%$927–$1,133
2BR$1,330+9.9%$1,197–$1,463
3BR$1,840+9.5%$1,656–$2,024
4BR$2,100+12.9%$1,890–$2,310

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 98520
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$1,030$1,330$1,840$2,100
FY 2026$830$920$1,210$1,680$1,860
FY 2025$790$890$1,150$1,610$1,800
FY 2024area FMR$775$898$1,143$1,611$1,833
FY 2023area FMR$699$847$1,046$1,487$1,779

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

Two-bedroom rent in nearby Grays Harbor County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 98520
98520Current$1,330—
98526$1,290−3.0%
98535$1,410+6.0%
98536$1,350+1.5%
98537$1,670+25.6%
98541$1,220−8.3%
98547$1,100−17.3%
98550$1,340+0.8%
98552$1,350+1.5%
98557$1,300−2.3%
98559$1,350+1.5%
98562$1,350+1.5%

Questions about ZIP 98520 rents

How much will Section 8 pay for a two-bedroom in ZIP 98520?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,345, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,211 to $1,480 a month; under the ZIP-level Small Area FMR of $1,330 it would be $1,197 to $1,463. 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 98520 in?

ZIP 98520 is in the Grays Harbor County, WA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,345.

How much did fair market rent change in ZIP 98520 for FY 2027?

The two-bedroom FMR rose 9.9%, from $1,210 in FY 2026 to $1,330 in FY 2027. Since FY 2025 it has risen 15.7%.

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 rentAberdeen, WA fair market rentWA statewide rentsWhat is SAFMR?Data sources