Section 8 — Waterbury-Shelton, CT FMR

Section 8 rents
in waterbury-shelton.

HUD Fair Market Rents for every one of the 44 ZIP codes in the Waterbury-Shelton area (FY2026). The median 2-bedroom runs $1,890/mo and the median 3-bedroom $2,340/mo — with 3-bedroom rents spanning $1,710 to $4,410/mo depending on the ZIP. This is part of Connecticut Section 8 rents.

Area median

FMR by bedroom.

Median Fair Market Rent across all Waterbury-Shelton ZIPs, by unit size (FY2026).
bedroomsmedian FMR / mo
studio / 0 BR$1,320
1 BR$1,530
2 BR$1,890
3 BR$2,340
4 BR$2,760

3-bedroom FMR ranges from $1,710 to $4,410/mo across Waterbury-Shelton's 44 ZIP codes — Small Area FMRs vary widely within a single metro.

Every ZIP

FMR by ZIP code.

2-bedroom and 3-bedroom Fair Market Rent for every ZIP in the Waterbury-Shelton area. Need one number fast? Check any ZIP instantly.

All 44 ZIPs, sorted.

ZIP2 BR3 BR
06011$1,750$2,160
06032$2,430$2,910
06062$1,540$1,850
06401$1,720$2,130
06403$2,200$2,720
06410$1,680$2,080
06418$1,710$2,090
06451$1,750$2,160
06468$2,270$2,750
06477$2,650$3,270
06478$1,710$2,080
06479$2,360$2,830
06483$1,710$2,060
06484$2,010$2,480
06487$1,890$2,340
06488$2,590$3,200
06489$1,930$2,310
06492$1,720$2,130
06518$2,630$3,250
06611$3,650$4,410
06614$2,730$3,300
06701$1,890$2,340
06702$1,380$1,710
06703$1,890$2,340
06704$1,730$2,140
06705$1,730$2,140
06706$1,710$2,110
06708$1,810$2,240
06710$1,670$2,060
06712$2,340$2,890
06716$2,680$3,310
06720$1,890$2,340
06721$1,890$2,340
06722$1,890$2,340
06723$1,890$2,340
06724$1,890$2,340
06762$2,100$2,600
06770$1,830$2,260
06779$1,890$2,340
06781$1,820$2,250
06782$2,060$2,550
06786$1,640$2,030
06795$1,720$2,130
06798$2,200$2,720

SAFMR = ZIP-level variation. HUD sets Small Area Fair Market Rents by ZIP in this metro, so two homes in the same city can carry very different voucher ceilings.

The underwriting

The DSCR math at waterbury-shelton's median rent.

A worked example — assumptions stated, not hidden. Run your exact numbers in the calculator.

At the median 3-bedroom Section 8 rent of $2,340/mo, the maximum PITIA that still clears a 1.20 DSCR is $1,950/mo. Assuming ~25% of that payment goes to property taxes and insurance, the maximum principal & interest is $1,463/mo — which supports roughly a $220,000 loan at 7% over 30 years, or about a $293,000 purchase at 75% LTV.

median 3 BR rent$2,340/mo
max PITIA @ 1.20 DSCR$1,950/mo
max P&I (~75% of PITIA)$1,463/mo
supported loan (7% / 30yr)$220,000
implied price (75% LTV)$293,000

Assumptions: 1.20 DSCR floor, ~25% of PITIA for taxes + insurance, 7.0% 30-year fixed, 75% LTV. Your taxes, insurance, rate, and LTV will differ — run your exact numbers in the DSCR calculator.

FAQ

Waterbury-Shelton Section 8, answered.

The questions investors ask before underwriting a Waterbury-Shelton voucher deal.
Waterbury-Shelton FMR —
What is the 3-bedroom Section 8 rent in Waterbury-Shelton?
The median 3-bedroom Fair Market Rent in the Waterbury-Shelton area is $2,340/mo (FY2026). Under HUD's Small Area FMR schedule it ranges from $1,710 to $4,410/mo depending on the ZIP code — see the full ZIP table above.
Waterbury-Shelton FMR —
Why do Section 8 rents differ between ZIP codes in Waterbury-Shelton?
HUD publishes Small Area Fair Market Rents (SAFMRs) by ZIP code in most large metros, including Waterbury-Shelton. Instead of one metro-wide number, each ZIP gets its own rent ceiling based on local market rents — so two homes in the same city can carry very different voucher amounts. The 3-bedroom range here spans $1,710 to $4,410/mo across the 44 ZIPs in this area.
Waterbury-Shelton FMR —
Does a voucher pay the exact ZIP Fair Market Rent in Waterbury-Shelton?
Not exactly. The FMR is the starting point — the local public housing authority sets its voucher payment standard at 90–110% of the ZIP's FMR, and every unit still has to pass a rent reasonableness test against comparable local rentals before the lease is approved. Treat the ZIP FMR as the ceiling, not a guaranteed payment.
Live · all 50 states

FMR on every waterbury-shelton listing.

Verleon AI overlays HUD Fair Market Rents on every active listing in Waterbury-Shelton — and all 50 states — so you see the Section 8 ceiling and DSCR before you make an offer. Back to Connecticut Section 8 rents or the all-states hub.

Data source: HUD FY2026 Fair Market Rents (Small Area FMRs where published), snapshot 2026-07-24. Payment standards vary by public housing authority (typically 90–110% of FMR). Figures are for research and do not guarantee approved rent on any specific unit.

Not investment advice. Verleon AI provides analytical tooling for real-estate professionals. Underwriting outputs (DSCR, cap rate, Section 8 FMR estimates, scores) are modeled from public and licensed data and are not a substitute for independent due diligence, legal counsel, lender pre-approval, or licensed appraisal. Past performance is not indicative of future results.