NY/Suffolk County/CENTEREACH
CENTEREACH, NY
CitySAFMR
Suffolk County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,970$2,100
1 BR$2,350$2,400
2 BR$2,710$2,860
3 BR$3,520$3,720
4 BR$3,720$4,090
5 BR$4,278
6 BR$4,920
7 BR$5,658
8 BR$6,506

Purchase Price Calculator

Maximum purchase price
$363,078

Cost breakdown

+Likely effective rent$2,860
HUD FMR$2,710
Market rent$2,940
Est. payment standard (106%)Used$2,860
Estimated payment standard is $2,860 (106% of FMR).
-Principal and interest-$1,836
Loan amount$290,463
Down payment$72,616
Rate6.50%
Term30 years
-Operating costs-$824
Property taxes-$363
Insurance-$175
Utilities$0
HOA$0
Management-$286
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,524(62.7% ROI)
Projected value
$390,996
Current value$363,078
Return breakdown
Property appreciation+$27,917
Loan principal paid down+$10,407
Rental cash flow+$7,200
5-year hold
+$78,269(107.8% ROI)
Projected value
$410,790
Current value$363,078
Return breakdown
Property appreciation+$47,711
Loan principal paid down+$18,558
Rental cash flow+$12,000
10-year hold
+$169,912(234.0% ROI)
Projected value
$464,771
Current value$363,078
Return breakdown
Property appreciation+$101,693
Loan principal paid down+$44,220
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 11720
0.91ratio
FMR$1,970
Market$2,170
vs market-$200

FMR is near market; voucher and private rents are aligned.

90% standard$1,773 / 0.82 ratio110% standard$2,167 / 1.00 ratio
0.91
1 BR
1 BR- 11720
0.97ratio
FMR$2,350
Market$2,430
vs market-$80

FMR is near market; voucher and private rents are aligned.

90% standard$2,115 / 0.87 ratio110% standard$2,585 / 1.06 ratio
0.97
2 BR
2 BR- 11720
0.92ratio
FMR$2,710
Market$2,940
vs market-$230

FMR is near market; voucher and private rents are aligned.

90% standard$2,439 / 0.83 ratio110% standard$2,981 / 1.01 ratio
0.92
3 BR
3 BR- 11720
0.92ratio
FMR$3,520
Market$3,830
vs market-$310

FMR is near market; voucher and private rents are aligned.

90% standard$3,168 / 0.83 ratio110% standard$3,872 / 1.01 ratio
0.92
4 BR
4 BR- 11720
0.82ratio
FMR$3,720
Market$4,520
vs market-$800

FMR is below market; voucher rent may lag private rents.

90% standard$3,348 / 0.74 ratio110% standard$4,092 / 0.91 ratio
0.82
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for CENTEREACH, NY (NY) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

CENTEREACH, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for CENTEREACH, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,710 and the 4 bedroom fair market rent is $3,720.

Use this page for searches like CENTEREACH, NY FMR, CENTEREACH, NY fair market rent, and CENTEREACH, NY Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for CENTEREACH, NY
Bedroom sizeHUD FMR
Studio$1,970
1 bedroom$2,350
2 bedroom$2,710
3 bedroom$3,520
4 bedroom$3,720