Location: Carroll County, NH | Metro: Carroll County, NH
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,320 |
| 1 Bedroom | $1,450 |
| 2 Bedrooms | $1,880 |
| 3 Bedrooms | $2,600 |
| 4 Bedrooms | $2,890 |
| 5 Bedrooms | $3,352 |
| 6 Bedrooms | $3,754 |
| 7 Bedrooms | $4,054 |
| 8 Bedrooms | $4,257 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,880 | $447,072 | 0.42% | F |
| 3BR | $2,600 | $473,489 | 0.55% | F |
| 4BR | $2,890 | $611,467 | 0.47% | F |
U.S. Census Bureau data (2024)
The Section 8 market analysis for ZIP code 03814, located in Ossipee, NH, within Carroll County, reveals a favorable environment for landlords and small-portfolio investors. The HUD Fair Market Rent (FMR) for the Carroll County metro area, effective in fiscal year 2026, is set at $1,910. This figure is notably higher than the market rent reported by the Census Bureau's American Community Survey (ACS), which stands at $1,626. This discrepancy indicates that voucher tenants can typically cover the rent at a rate that exceeds the average market rent, ensuring positive cash flow for investors.
To further analyze the investment potential, consider the median home value in the area, which is $445,519. Using this figure, we can calculate the rent-to-price ratio. A property rented at the HUD FMR of $1,910 would generate an annual rental income of approximately $22,920, leading to a rent-to-price ratio of about 5.1%. This ratio suggests that the rental income is relatively high compared to the cost of purchasing a property, making it a strong indicator for investors looking to capitalize on rental income.
The dynamics between renting and buying properties in this market are significant. However, the data does not provide specific figures for the median Days on Market (DOM) or the percentage of price cuts. These metrics would typically help in understanding how quickly homes sell and at what price adjustments might be necessary. Despite this lack of detail, the strong disparity between the HUD FMR and the market rent points towards a robust cash flow scenario for investors who can secure properties at or below the median home value.
The strongest investor angle in ZIP 03814 is undoubtedly the cash flow potential, given the above-market rents that voucher tenants can afford. This makes it particularly attractive for those looking to generate steady income from their investments.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.