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 | $1,680 |
| 1 Bedroom | $1,820 |
| 2 Bedrooms | $2,170 |
| 3 Bedrooms | $2,590 |
| 4 Bedrooms | $2,850 |
| 5 Bedrooms | $3,306 |
| 6 Bedrooms | $3,703 |
| 7 Bedrooms | $3,999 |
| 8 Bedrooms | $4,199 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 3BR | $2,590 | $853,041 | 0.3% | F |
| 4BR | $2,850 | $1,084,797 | 0.26% | F |
| 5BR | $3,306 | $1,591,473 | 0.21% | F |
U.S. Census Bureau data (2024)
The classification of ZIP code 19807, based on the provided data, leans towards a steady-cashflow zone rather than a high-yield/low-stability market. The key figures that drive this analysis include the Fair Market Rent (FMR) of $2,080 for the fiscal year 2024, the median market rent of $1,628, and the median home value of $1,093,550.
The FMR indicates what the government deems as a reasonable rent for the area, which is higher than the actual market rent. This suggests that landlords can charge closer to the FMR without significantly deterring tenants, thereby ensuring a decent yield. However, the relatively low market rent compared to the FMR also points to some level of affordability pressure in the area, which might limit the potential for very high yields.
The median home value is quite high, suggesting a generally affluent neighborhood. Coupled with an average household income of $153,341, this indicates that residents have a strong capacity to pay rent, which supports the stability of rental income. The percentage of renters at 33.7% is moderate; it's neither so high that it signals a transient population nor so low that it suggests a predominantly owner-occupied area. This balance contributes to the steady cash flow characteristic.
The lack of data on the number of days on market (DOM) for rentals does introduce some uncertainty regarding the speed at which properties can be leased, but given the other indicators, we can reasonably infer that the market is stable enough to support consistent tenancy.
In conclusion, ZIP 19807 presents itself as a zone offering steady cash flow due to the combination of reasonable rental prices, high home values, and substantial average incomes. It does not exhibit the characteristics of a high-yield/low-stability market typical of areas where quick flips might be considered. Instead, it is suitable for long-term investments aimed at generating reliable rental income.
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.