Location: Philadelphia-Camden-Wilmington, PA | Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
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 | $1,140 |
| 1 Bedroom | $1,240 |
| 2 Bedrooms | $1,480 |
| 3 Bedrooms | $1,760 |
| 4 Bedrooms | $1,950 |
| 5 Bedrooms | $2,262 |
| 6 Bedrooms | $2,533 |
| 7 Bedrooms | $2,736 |
| 8 Bedrooms | $2,873 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,480 | $269,128 | 0.55% | F |
| 3BR | $1,760 | $313,368 | 0.56% | F |
| 4BR | $1,950 | $372,976 | 0.52% | F |
U.S. Census Bureau data (2024)
The classification of ZIP code 19043, located in Holmes, PA, can be analyzed through the lens of yield and stability, using specific figures provided. On the yield axis, the Fair Market Rent (FMR) for the fiscal year 2024 is set at $1,470. This is notably higher than the market rent of $1,154, indicating a potential opportunity for higher rental income. However, when considering the median home value of $315,957, the FMR suggests a relatively low yield compared to the property value. Landlords should calculate their expected returns based on these figures, recognizing that while there is room for above-market rents, the overall yield will be constrained by the high property values.
Moving to the stability axis, the ZIP code shows a renter population of 27.7%. This percentage is indicative of a market where a significant portion of the population does not rent, which could affect the demand for rental properties. The median household income in the area is $95,377, suggesting that residents have the financial capability to afford higher rents, but the low percentage of renters might mean fewer tenants willing to pay the premium. Additionally, the lack of data on days on market (DOM) indicates uncertainty about how quickly rental properties can be filled, which is a critical factor for small-portfolio investors who need consistent cash flow.
Based on these figures, ZIP 19043 is best classified as a steady-cashflow zone. While the potential for higher yields exists due to the discrepancy between FMR and market rent, the relatively low percentage of renters and the substantial median home value imply a stable but not highly volatile market. Investors should focus on properties that can attract the financially capable segment of the population willing to pay premium rents, ensuring a reliable source of income without the risk associated with high-yield/low-stability markets.
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.