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NY/Columbia County/CRARYVILLE

CRARYVILLE, NY

CitySAFMR
Columbia County
Found 1 ZIP
Zillow
BRFMR
Eff. Rent
0 BR$1,780▲$1,770
1 BR$1,800▲$1,810
2 BR$2,040▲$2,010
3 BR$2,460▲$2,190
4 BR$2,700▲$2,240
5 BR$3,105▲—
6 BR$3,571▲—
7 BR$4,106▲—
8 BR$4,722▲—

Purchase Price Calculator

Maximum purchase price
$236,769

Cost breakdown

+Likely effective rent$2,010
HUD FMR$2,040
Market rentUsed$2,010
Est. payment standard (99%)$2,020
Market rent is below the inferred standard ($2,020, 99% of FMR).
-Principal and interest-$1,197
Loan amount$189,415
Down payment$47,354
Rate6.50%
Term30 years
-Operating costs-$613
Property taxes-$237
Insurance-$175
Utilities$0
HOA$0
Management-$201
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,192(68.0% ROI)
Projected value
$254,974
Current value$236,769
Return breakdown
Property appreciation+$18,205
Loan principal paid down+$6,786
Rental cash flow+$7,200
5-year hold
+$55,215(116.6% ROI)
Projected value
$267,882
Current value$236,769
Return breakdown
Property appreciation+$31,113
Loan principal paid down+$12,102
Rental cash flow+$12,000
10-year hold
+$119,152(251.6% ROI)
Projected value
$303,084
Current value$236,769
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
Rental cash flow+$24,000

Market Alignment

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

Studio
Studio- 12521
1.01ratio
FMR$1,780
Market$1,770
vs market+$10

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

90% standard$1,602 / 0.91 ratio110% standard$1,958 / 1.11 ratio
1.01
1 BR
1 BR- 12521
0.99ratio
FMR$1,800
Market$1,820
vs market-$20

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

90% standard$1,620 / 0.89 ratio110% standard$1,980 / 1.09 ratio
0.99
2 BR
2 BR- 12521
1.01ratio
FMR$2,040
Market$2,010
vs market+$30

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

90% standard$1,836 / 0.91 ratio110% standard$2,244 / 1.12 ratio
1.01
3 BR
3 BR- 12521
1.12ratio
FMR$2,460
Market$2,190
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,214 / 1.01 ratio110% standard$2,706 / 1.24 ratio
1.12
4 BR
4 BR- 12521
1.21ratio
FMR$2,700
Market$2,240
vs market+$460

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.08 ratio110% standard$2,970 / 1.33 ratio
1.21
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 CRARYVILLE, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
12521

CRARYVILLE, NY fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for CRARYVILLE, NY shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,040 and the 4 bedroom fair market rent is $2,700.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for CRARYVILLE, NY
Bedroom sizeHUD FMR
Studio$1,780
1 bedroom$1,800
2 bedroom$2,040
3 bedroom$2,460
4 bedroom$2,700
Columbia County fair market rent12521 FMR