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Lewis County/Winlock/98596

98596

ZIPSAFMR
Lewis County, WA
Zillow

ZIP Investment Score

59Below average

095130300
BRFMR
Eff. Rent
0 BR$1,070$1,180
1 BR$1,170$1,290
2 BR$1,530$1,680
3 BR$1,990$1,970
4 BR$2,320$2,000
5 BR$2,668Not available
6 BR$3,068Not available
7 BR$3,528Not available
8 BR$4,058Not available

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMR$1,530
Market rent$1,770
Est. payment standard (110%)Used$1,680
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.67
1 BR
0.77
2 BR
0.86
3 BR
1.01
4 BR
1.16
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 98596 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 98596 (Winlock, WA) is $1,530 a month. That is up 10.9% from $1,380 in FY 2026. Winlock is in the Lewis 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 $1,435. Among 25 ZIP codes in Lewis County, 98596 has the 8th-highest two-bedroom rent (county range $1,160–$2,060). The median county two-bedroom FMR in Washington is $1,467, so ZIP 98596 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 98596
BedroomsFY 2027Change90–110% range
Studio$1,070+12.6%$963–$1,177
1BR$1,170+11.4%$1,053–$1,287
2BR$1,530+10.9%$1,377–$1,683
3BR$1,990+9.3%$1,791–$2,189
4BR$2,320+17.2%$2,088–$2,552

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 98596
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,070$1,170$1,530$1,990$2,320
FY 2026$950$1,050$1,380$1,820$1,980
FY 2025$920$1,030$1,330$1,780$1,890
FY 2024area FMR$843$964$1,244$1,706$1,772
FY 2023area FMR$764$902$1,143$1,560$1,718

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

Two-bedroom rent in nearby Lewis County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 98596
98544$1,470−3.9%
98564$1,160−24.2%
98565$1,640+7.2%
98568$1,770+15.7%
98570$1,420−7.2%
98572$1,500−2.0%
98579$1,770+15.7%
98582$1,300−15.0%
98585$1,440−5.9%
98591$1,330−13.1%
98593$1,470−3.9%
98596Current$1,530—

Questions about ZIP 98596 rents

How much will Section 8 pay for a two-bedroom in ZIP 98596?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,435, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,292 to $1,579 a month; under the ZIP-level Small Area FMR of $1,530 it would be $1,377 to $1,683. 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 98596 in?

ZIP 98596 is in the Lewis County, WA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,435.

How much did fair market rent change in ZIP 98596 for FY 2027?

The two-bedroom FMR rose 10.9%, from $1,380 in FY 2026 to $1,530 in FY 2027. Since FY 2025 it has risen 15.0%.

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