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NY/Columbia County/Craryville

Craryville, NY

CitySAFMR
Columbia County
Found 1 ZIP

City Median Investment Score

50Below average

095130300
BRFMR
Eff. Rent
0 BR$1,710$1,750
1 BR$1,760$1,800
2 BR$2,040$2,010
3 BR$2,490$2,190
4 BR$2,680$2,240
5 BR$3,082Not available
6 BR$3,544Not available
7 BR$4,076Not available
8 BR$4,687Not available

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
-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
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
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
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.97
1 BR
0.97
2 BR
1.01
3 BR
1.14
4 BR
1.20
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Craryville, NY fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Craryville, NY is $2,040 a month. That is unchanged from FY 2026. Craryville is in the Columbia County, NY non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,503. The median county two-bedroom FMR in New York is $1,385, so Craryville is 47% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Craryville, NY
BedroomsFY 2027Change90–110% range
Studio$1,710−3.9%$1,539–$1,881
1BR$1,760−2.2%$1,584–$1,936
2BR$2,0400.0%$1,836–$2,244
3BR$2,490+1.2%$2,241–$2,739
4BR$2,680−0.7%$2,412–$2,948

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Craryville, NY
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,710$1,760$2,040$2,490$2,680
FY 2026$1,780$1,800$2,040$2,460$2,700
FY 2025$1,760$1,770$2,020$2,430$2,680
FY 2024area FMR$1,032$1,042$1,190$1,439$1,585
FY 2023area FMR$913$952$1,107$1,392$1,487

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Questions about Craryville, NY rents

How much will Section 8 pay for a two-bedroom in Craryville, NY?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,503, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,353 to $1,653 a month; under the ZIP-level Small Area FMR of $2,040 it would be $1,836 to $2,244. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Craryville, NY in?

Craryville, NY is in the Columbia County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,503.

How much did fair market rent change in Craryville, NY for FY 2027?

The two-bedroom FMR was unchanged at $2,040 in FY 2027. Since FY 2025 it has risen 1.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set