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Garfield County/Clarkston/99403

99403

ZIPSAFMR
Garfield County, WA
Zillow

ZIP Investment Score

70Below average

095130300
BRFMR
Eff. Rent
0 BR$970$970
1 BR$970$970
2 BR$1,270$1,270
3 BR$1,760$1,760
4 BR$2,090$2,090
5 BR$2,404Not available
6 BR$2,764Not available
7 BR$3,179Not available
8 BR$3,655Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMRUsed$1,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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
--
Mortgage rate
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ZIP 99403 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 99403 (Clarkston, WA) is $1,270 a month. That is unchanged from FY 2026. Clarkston is in the Garfield 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 $1,143. Among 3 ZIP codes in Garfield County, 99403 has the 2nd-highest two-bedroom rent (county range $1,130–$1,400). The median county two-bedroom FMR in Washington is $1,467, so ZIP 99403 is 13% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 99403
BedroomsFY 2027Change90–110% range
Studio$970+1.0%$873–$1,067
1BR$9700.0%$873–$1,067
2BR$1,2700.0%$1,143–$1,397
3BR$1,760−0.6%$1,584–$1,936
4BR$2,090−1.4%$1,881–$2,299

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 99403
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$970$970$1,270$1,760$2,090
FY 2026$960$970$1,270$1,770$2,120
FY 2025$970$980$1,280$1,790$2,150
FY 2024$850$920$1,190$1,680$2,020
FY 2023$720$840$1,080$1,530$1,840

Two-bedroom rent in nearby Garfield County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 99403
99328$1,400+10.2%
99347$1,130−11.0%
99403Current$1,270—

Questions about ZIP 99403 rents

How much will Section 8 pay for a two-bedroom in ZIP 99403?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,143, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,029 to $1,257 a month; under the ZIP-level Small Area FMR of $1,270 it would be $1,143 to $1,397. 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 99403 in?

ZIP 99403 is in the Garfield County, WA non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,143.

How much did fair market rent change in ZIP 99403 for FY 2027?

The two-bedroom FMR was unchanged at $1,270 in FY 2027. Since FY 2023 it has risen 17.6%.

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