NY/Ulster County/GARDINER
GARDINER, NY
CitySAFMR
Ulster County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,390$1,530
1 BR$1,480$1,630
2 BR$1,940$2,130
3 BR$2,400$2,590
4 BR$2,570$2,710
5 BR$2,955
6 BR$3,399
7 BR$3,909
8 BR$4,495

Purchase Price Calculator

Maximum purchase price
$254,601

Cost breakdown

+Likely effective rent$2,130
HUD FMR$1,940
Market rent$2,310
Est. payment standard (110%)Used$2,130
Estimated payment standard is $2,130 (110% of FMR).
-Principal and interest-$1,287
Loan amount$203,681
Down payment$50,920
Rate6.50%
Term30 years
-Operating costs-$643
Property taxes-$255
Insurance-$175
Utilities$0
HOA$0
Management-$213
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,074(66.9% ROI)
Projected value
$274,177
Current value$254,601
Return breakdown
Property appreciation+$19,576
Loan principal paid down+$7,297
Rental cash flow+$7,200
5-year hold
+$58,470(114.8% ROI)
Projected value
$288,057
Current value$254,601
Return breakdown
Property appreciation+$33,457
Loan principal paid down+$13,013
Rental cash flow+$12,000
10-year hold
+$126,318(248.1% ROI)
Projected value
$325,910
Current value$254,601
Return breakdown
Property appreciation+$71,310
Loan principal paid down+$31,008
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- 12525
0.63ratio
FMR$1,390
Market$2,200
vs market-$810

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

90% standard$1,251 / 0.57 ratio110% standard$1,529 / 0.70 ratio
0.63
1 BR
1 BR- 12525
0.82ratio
FMR$1,480
Market$1,810
vs market-$330

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

90% standard$1,332 / 0.74 ratio110% standard$1,628 / 0.90 ratio
0.82
2 BR
2 BR- 12525
0.84ratio
FMR$1,940
Market$2,310
vs market-$370

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

90% standard$1,746 / 0.76 ratio110% standard$2,134 / 0.92 ratio
0.84
3 BR
3 BR- 12525
0.89ratio
FMR$2,400
Market$2,690
vs market-$290

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

90% standard$2,160 / 0.80 ratio110% standard$2,640 / 0.98 ratio
0.89
4 BR
4 BR- 12525
0.92ratio
FMR$2,570
Market$2,780
vs market-$210

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

90% standard$2,313 / 0.83 ratio110% standard$2,827 / 1.02 ratio
0.92
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 GARDINER, 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

GARDINER, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for GARDINER, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,940 and the 4 bedroom fair market rent is $2,570.

Use this page for searches like GARDINER, NY FMR, GARDINER, NY fair market rent, and GARDINER, 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 GARDINER, NY
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,480
2 bedroom$1,940
3 bedroom$2,400
4 bedroom$2,570