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98522

ZIPFMR
Lewis County, WA
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$999$999
1 BR$1,097$1,097
2 BR$1,435$1,435
3 BR$1,870$1,870
4 BR$2,177$2,177
5 BR$2,504Not available
6 BR$2,879Not available
7 BR$3,311Not available
8 BR$3,808Not available

Purchase Price Calculator

Maximum purchase price
$151,324

Cost breakdown

+Likely effective rent$1,435
HUD FMRUsed$1,435
Market rentN/A
Est. payment standardN/A
-Principal and interest-$765
Loan amount$121,059
Down payment$30,265
Rate6.50%
Term30 years
-Operating costs-$470
Property taxes-$151
Insurance-$175
Utilities$0
HOA$0
Management-$144
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,173(76.6% ROI)
Projected value
$162,959
Return breakdown
Property appreciation+$11,635
Loan principal paid down+$4,337
Rental cash flow+$7,200
5-year hold
+$39,620(130.9% ROI)
Projected value
$171,209
Return breakdown
Property appreciation+$19,885
Loan principal paid down+$7,734
Rental cash flow+$12,000
10-year hold
+$84,813(280.2% ROI)
Projected value
$193,707
Return breakdown
Property appreciation+$42,383
Loan principal paid down+$18,430
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
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Mortgage rate
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ZIP 98522 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 98522 (Adna, WA) is $1,435 a month. That is up 12.2% from $1,279 in FY 2026. Adna is in the Lewis County, WA non-metropolitan FMR area. One county-wide FMR applies to every ZIP code in it. The median county two-bedroom FMR in Washington is $1,467, so ZIP 98522 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 98522
BedroomsFY 2027Change90–110% range
Studio$999+13.3%$899–$1,099
1BR$1,097+12.5%$987–$1,207
2BR$1,435+12.2%$1,292–$1,579
3BR$1,870+10.8%$1,683–$2,057
4BR$2,177+18.8%$1,959–$2,395

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 98522
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$999$1,097$1,435$1,870$2,177
FY 2026$882$975$1,279$1,688$1,832
FY 2025$868$974$1,257$1,679$1,791
FY 2024$843$964$1,244$1,706$1,772
FY 2023$764$902$1,143$1,560$1,718

Questions about ZIP 98522 rents

How much will Section 8 pay for a two-bedroom in ZIP 98522?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,435, that basic range is $1,292 to $1,579 a month. 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 98522 in?

ZIP 98522 is in the Lewis County, WA non-metropolitan FMR area.

How much did fair market rent change in ZIP 98522 for FY 2027?

The two-bedroom FMR rose 12.2%, from $1,279 in FY 2026 to $1,435 in FY 2027. Since FY 2023 it has risen 25.5%.

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 Fair Market Rents. 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