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99684

ZIPSAFMR
Nome Census Area County, AK
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,270$1,270
1 BR$1,390$1,390
2 BR$1,640$1,640
3 BR$2,270$2,270
4 BR$2,700$2,700
5 BR$3,105Not available
6 BR$3,571Not available
7 BR$4,106Not available
8 BR$4,722Not available

Purchase Price Calculator

Maximum purchase price
$181,787

Cost breakdown

+Likely effective rent$1,640
HUD FMRUsed$1,640
Market rentN/A
Est. payment standardN/A
-Principal and interest-$919
Loan amount$145,429
Down payment$36,357
Rate6.50%
Term30 years
-Operating costs-$521
Property taxes-$182
Insurance-$175
Utilities$0
HOA$0
Management-$164
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,388(72.6% ROI)
Projected value
$195,765
Return breakdown
Property appreciation+$13,978
Loan principal paid down+$5,210
Rental cash flow+$7,200
5-year hold
+$45,180(124.3% ROI)
Projected value
$205,675
Return breakdown
Property appreciation+$23,888
Loan principal paid down+$9,292
Rental cash flow+$12,000
10-year hold
+$97,056(266.9% ROI)
Projected value
$232,703
Return breakdown
Property appreciation+$50,916
Loan principal paid down+$22,140
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 99684 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 99684 (Unalakleet, AK) is $1,640 a month. That is up 7.2% from $1,530 in FY 2026. Unalakleet is in the Nome Census Area, AK 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 $1,638. Among 14 ZIP codes in Nome Census Area County, 99684 is tied for the 2nd-highest two-bedroom rent (county range $1,380–$1,770). The median county two-bedroom FMR in Alaska is $1,513, so ZIP 99684 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 99684
BedroomsFY 2027Change90–110% range
Studio$1,270+4.1%$1,143–$1,397
1BR$1,390+4.5%$1,251–$1,529
2BR$1,640+7.2%$1,476–$1,804
3BR$2,270+6.6%$2,043–$2,497
4BR$2,700+7.1%$2,430–$2,970

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 99684
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,270$1,390$1,640$2,270$2,700
FY 2026$1,220$1,330$1,530$2,130$2,520
FY 2025$1,130$1,140$1,350$1,900$2,070
FY 2024area FMR$1,250$1,258$1,497$2,110$2,289
FY 2023area FMR$1,156$1,163$1,467$2,085$2,227

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

Two-bedroom rent in nearby Nome Census Area County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 99684
99659$1,380−15.9%
99671$1,380−15.9%
99684Current$1,640—
99739$1,380−15.9%
99742$1,380−15.9%
99753$1,380−15.9%
99762$1,770+7.9%
99769$1,6400.0%
99771$1,6400.0%
99772$1,6400.0%
99778$1,6400.0%
99783$1,6400.0%

Questions about ZIP 99684 rents

How much will Section 8 pay for a two-bedroom in ZIP 99684?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,638, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,474 to $1,802 a month; under the ZIP-level Small Area FMR of $1,640 it would be $1,476 to $1,804. 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 99684 in?

ZIP 99684 is in the Nome Census Area, AK non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,638.

How much did fair market rent change in ZIP 99684 for FY 2027?

The two-bedroom FMR rose 7.2%, from $1,530 in FY 2026 to $1,640 in FY 2027. Since FY 2025 it has risen 21.5%.

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 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