HARRIS, NY
CitySAFMR
Sullivan County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$990$1,090
1 BR$1,060$1,170
2 BR$1,290$1,420
3 BR$1,790$1,950
4 BR$1,870$2,060
5 BR$2,151
6 BR$2,473
7 BR$2,844
8 BR$3,271

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,290
Market rent$1,830
Est. payment standard (110%)Used$1,420
Estimated payment standard is $1,420 (110% of FMR).
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Current value$149,095
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Current value$149,095
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Current value$149,095
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
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- 12742
0.73ratio
FMR$990
Market$1,350
vs market-$360

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

90% standard$891 / 0.66 ratio110% standard$1,089 / 0.81 ratio
0.73
1 BR
1 BR- 12742
0.80ratio
FMR$1,060
Market$1,330
vs market-$270

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

90% standard$954 / 0.72 ratio110% standard$1,166 / 0.88 ratio
0.80
2 BR
2 BR- 12742
0.70ratio
FMR$1,290
Market$1,830
vs market-$540

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

90% standard$1,161 / 0.63 ratio110% standard$1,419 / 0.78 ratio
0.70
3 BR
3 BR- 12742
0.88ratio
FMR$1,790
Market$2,040
vs market-$250

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

90% standard$1,611 / 0.79 ratio110% standard$1,969 / 0.97 ratio
0.88
4 BR
4 BR- 12742
0.77ratio
FMR$1,870
Market$2,440
vs market-$570

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

90% standard$1,683 / 0.69 ratio110% standard$2,057 / 0.84 ratio
0.77
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 HARRIS, 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

HARRIS, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for HARRIS, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,290 and the 4 bedroom fair market rent is $1,870.

Use this page for searches like HARRIS, NY FMR, HARRIS, NY fair market rent, and HARRIS, 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 HARRIS, NY
Bedroom sizeHUD FMR
Studio$990
1 bedroom$1,060
2 bedroom$1,290
3 bedroom$1,790
4 bedroom$1,870