Location: Somerset County, PA | Metro: Bedford County, PA
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 | $840 |
| 1 Bedroom | $930 |
| 2 Bedrooms | $1,110 |
| 3 Bedrooms | $1,470 |
| 4 Bedrooms | $1,710 |
| 5 Bedrooms | $1,984 |
| 6 Bedrooms | $2,222 |
| 7 Bedrooms | $2,400 |
| 8 Bedrooms | $2,520 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,110 | $123,612 | 0.9% | C |
| 3BR | $1,470 | $195,569 | 0.75% | D |
| 4BR | $1,710 | $280,356 | 0.61% | D |
U.S. Census Bureau data (2024)
Cairnbrook, PA, ZIP code 15926, is a suburban neighborhood with a relatively small population of 2,602 residents. Only 10.3% of the residents are renters, indicating a predominantly owner-occupied community. The median household income in this area stands at $62,019, which is modest but stable. The median home value in Cairnbrook is $159,264, reflecting an affordable housing market.
From an investment perspective, the Federal Market Rent (FMR) for ZIP 15926 in fiscal year 2026 is set at $1,090. This figure is notably higher than the current market rent, which is recorded at $738 according to the Census ACS. This discrepancy suggests that there is potential for rental income to increase if properties are rented under the Section 8 program.
The characteristics of Cairnbrook make it suitable for both hands-off voucher operators and hands-on value-add buyers. For those looking for a low-maintenance investment, the high FMR compared to market rent can provide a steady stream of income without requiring significant property improvements. On the other hand, for investors willing to take a more active role, the opportunity exists to enhance property values and rents, potentially capturing the gap between the FMR and the current market rate.
Given the demographic and economic profile of Cairnbrook, it is evident that the neighborhood offers a balanced environment for real estate investments. With a manageable number of renters and a supportive median income level, the area is primed for Section 8 participation. The disparity between the FMR and the actual market rent presents a clear advantage for investors, whether they choose to adopt a passive or proactive approach to managing their properties.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). 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.