LARCHMONT, NY
CitySAFMR
Westchester County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,850$2,110
1 BR$2,990$2,290
2 BR$3,280$3,240
3 BR$4,110$4,520
4 BR$4,460$4,910
5 BR$5,129
6 BR$5,898
7 BR$6,783
8 BR$7,801

Purchase Price Calculator

Maximum purchase price
$419,546

Cost breakdown

+Likely effective rent$3,240
HUD FMR$3,280
Market rentUsed$3,240
Est. payment standard (99%)$3,250
Market rent is below the inferred standard ($3,250, 99% of FMR).
-Principal and interest-$2,121
Loan amount$335,637
Down payment$83,909
Rate6.50%
Term30 years
-Operating costs-$919
Property taxes-$420
Insurance-$175
Utilities$0
HOA$0
Management-$324
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,484(61.4% ROI)
Projected value
$451,805
Current value$419,546
Return breakdown
Property appreciation+$32,259
Loan principal paid down+$12,025
Rental cash flow+$7,200
5-year hold
+$88,576(105.6% ROI)
Projected value
$474,678
Current value$419,546
Return breakdown
Property appreciation+$55,132
Loan principal paid down+$21,444
Rental cash flow+$12,000
10-year hold
+$192,605(229.5% ROI)
Projected value
$537,055
Current value$419,546
Return breakdown
Property appreciation+$117,508
Loan principal paid down+$51,097
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- 10538
1.35ratio
FMR$2,850
Market$2,110
vs market+$740

FMR is above market; underwrite to market rent.

90% standard$2,565 / 1.22 ratio110% standard$3,135 / 1.49 ratio
1.35
1 BR
1 BR- 10538
1.31ratio
FMR$2,990
Market$2,290
vs market+$700

FMR is above market; underwrite to market rent.

90% standard$2,691 / 1.18 ratio110% standard$3,289 / 1.44 ratio
1.31
2 BR
2 BR- 10538
1.01ratio
FMR$3,280
Market$3,240
vs market+$40

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

90% standard$2,952 / 0.91 ratio110% standard$3,608 / 1.11 ratio
1.01
3 BR
3 BR- 10538
0.62ratio
FMR$4,110
Market$6,670
vs market-$2,560

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

90% standard$3,699 / 0.55 ratio110% standard$4,521 / 0.68 ratio
0.62
4 BR
4 BR- 10538
0.45ratio
FMR$4,460
Market$9,980
vs market-$5,520

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

0.45
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 LARCHMONT, 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

LARCHMONT, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for LARCHMONT, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,280 and the 4 bedroom fair market rent is $4,460.

Use this page for searches like LARCHMONT, NY FMR, LARCHMONT, NY fair market rent, and LARCHMONT, 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 LARCHMONT, NY
Bedroom sizeHUD FMR
Studio$2,850
1 bedroom$2,990
2 bedroom$3,280
3 bedroom$4,110
4 bedroom$4,460