HAWTHORNE, NY
CitySAFMR
Westchester County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$3,210$2,560
1 BR$3,340$2,830
2 BR$3,700$3,700
3 BR$4,610$4,670
4 BR$4,980$5,480
5 BR$5,727
6 BR$6,586
7 BR$7,574
8 BR$8,710

Purchase Price Calculator

Maximum purchase price
$487,902

Cost breakdown

+Likely effective rent$3,700
HUD FMR$3,700
Market rent$3,700
Est. payment standard (100%)Used$3,700
Estimated payment standard is $3,700 (100% of FMR).
-Principal and interest-$2,467
Loan amount$390,322
Down payment$97,580
Rate6.50%
Term30 years
-Operating costs-$1,033
Property taxes-$488
Insurance-$175
Utilities$0
HOA$0
Management-$370
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$58,699(60.2% ROI)
Projected value
$525,417
Current value$487,902
Return breakdown
Property appreciation+$37,515
Loan principal paid down+$13,984
Rental cash flow+$7,200
5-year hold
+$101,052(103.6% ROI)
Projected value
$552,016
Current value$487,902
Return breakdown
Property appreciation+$64,114
Loan principal paid down+$24,938
Rental cash flow+$12,000
10-year hold
+$220,076(225.5% ROI)
Projected value
$624,556
Current value$487,902
Return breakdown
Property appreciation+$136,654
Loan principal paid down+$59,422
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- 10532
1.25ratio
FMR$3,210
Market$2,560
vs market+$650

FMR is above market; underwrite to market rent.

90% standard$2,889 / 1.13 ratio110% standard$3,531 / 1.38 ratio
1.25
1 BR
1 BR- 10532
1.18ratio
FMR$3,340
Market$2,830
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$3,006 / 1.06 ratio110% standard$3,674 / 1.30 ratio
1.18
2 BR
2 BR- 10532
1.00ratio
FMR$3,700
Market$3,700
vs market+$0

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

90% standard$3,330 / 0.90 ratio110% standard$4,070 / 1.10 ratio
1.00
3 BR
3 BR- 10532
0.98ratio
FMR$4,610
Market$4,700
vs market-$90

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

90% standard$4,149 / 0.88 ratio110% standard$5,071 / 1.08 ratio
0.98
4 BR
4 BR- 10532
0.80ratio
FMR$4,980
Market$6,230
vs market-$1,250

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

90% standard$4,482 / 0.72 ratio110% standard$5,478 / 0.88 ratio
0.80
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 HAWTHORNE, 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

HAWTHORNE, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for HAWTHORNE, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,700 and the 4 bedroom fair market rent is $4,980.

Use this page for searches like HAWTHORNE, NY FMR, HAWTHORNE, NY fair market rent, and HAWTHORNE, 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 HAWTHORNE, NY
Bedroom sizeHUD FMR
Studio$3,210
1 bedroom$3,340
2 bedroom$3,700
3 bedroom$4,610
4 bedroom$4,980