Location: Westmoreland County, VA | Metro: King George County, VA
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 | $1,210 |
| 2 Bedrooms | $1,450 |
| 3 Bedrooms | $2,010 |
| 4 Bedrooms | $2,420 |
| 5 Bedrooms | $2,807 |
| 6 Bedrooms | $3,144 |
| 7 Bedrooms | $3,396 |
| 8 Bedrooms | $3,566 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,450 | $302,765 | 0.48% | F |
| 3BR | $2,010 | $429,768 | 0.47% | F |
| 4BR | $2,420 | $542,848 | 0.45% | F |
| 5BR | $2,807 | $592,112 | 0.47% | F |
U.S. Census Bureau data (2024)
The ZIP code 22485, located in King George, VA, presents an interesting balance between yield and stability. On the yield axis, the Federal Market Rent (FMR) for the fiscal year 2026 is set at $1,400, while the market rent stands at $1,956. This indicates that there is potential for above-average rental income, given that the market rate exceeds the FMR by approximately $556 per month. The median home value of $470,274 suggests a moderate investment cost, but with the higher market rents, the potential return on investment (ROI) is favorable.
Moving to the stability axis, the ZIP code shows a 21.9% rental rate, which is relatively low compared to many metropolitan areas. This implies a smaller pool of potential tenants, which could affect occupancy rates and the speed of finding new tenants. However, the average days on market (DOM) for rentals is 32 days, which is a reasonable time frame indicating that properties can be leased without excessive vacancy periods. The median household income of $117,560 provides assurance that most residents can afford the $1,956 monthly rent, supporting stable cash flows.
In conclusion, ZIP 22485 leans towards being a steady-cashflow zone rather than a high-yield/low-stability flip-style market. While it offers attractive yields due to the disparity between the FMR and market rent, the relatively low rental rate percentage suggests some risk to stability. Nevertheless, the strong median income supports the ability of tenants to pay rent consistently, making this area suitable for those seeking reliable returns. Landlords and small-portfolio investors should focus on maintaining quality properties to attract and retain tenants, ensuring a steady stream of income.
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.