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Liberty, NY

CitySAFMR
Sullivan County
Found 1 ZIP

City Median Investment Score

85Below average

095130300
BRFMR
Eff. Rent
0 BR$930$1,020
1 BR$1,070$1,180
2 BR$1,370$1,510
3 BR$1,730$1,900
4 BR$1,910$2,100
5 BR$2,197Not available
6 BR$2,526Not available
7 BR$2,905Not available
8 BR$3,341Not available

Purchase Price Calculator

Maximum purchase price
$162,469

Cost breakdown

+Likely effective rent$1,510
HUD FMR$1,370
Market rent$1,800
Est. payment standard (110%)Used$1,510
-Principal and interest-$822
Loan amount$129,975
Down payment$32,494
Rate6.50%
Term30 years
-Operating costs-$488
Property taxes-$162
Insurance-$175
Utilities$0
HOA$0
Management-$151
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,349(74.9% ROI)
Projected value
$174,961
Return breakdown
Property appreciation+$12,492
Loan principal paid down+$4,657
Rental cash flow+$7,200
5-year hold
+$41,654(128.2% ROI)
Projected value
$183,819
Return breakdown
Property appreciation+$21,350
Loan principal paid down+$8,304
Rental cash flow+$12,000
10-year hold
+$89,292(274.8% ROI)
Projected value
$207,974
Return breakdown
Property appreciation+$45,505
Loan principal paid down+$19,787
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.79
1 BR
0.86
2 BR
0.76
3 BR
0.83
4 BR
0.65
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Liberty, NY fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Liberty, NY is $1,370 a month. That is down 9.9% from $1,520 in FY 2026. Liberty is in the Sullivan 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 $1,299. The median county two-bedroom FMR in New York is $1,385, so Liberty is 1% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Liberty, NY
BedroomsFY 2027Change90–110% range
Studio$930−9.7%$837–$1,023
1BR$1,070−9.3%$963–$1,177
2BR$1,370−9.9%$1,233–$1,507
3BR$1,730−9.9%$1,557–$1,903
4BR$1,910−9.9%$1,719–$2,101

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Liberty, NY
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$930$1,070$1,370$1,730$1,910
FY 2026$1,030$1,180$1,520$1,920$2,120
FY 2025$1,140$1,310$1,680$2,130$2,350
FY 2024$1,260$1,450$1,860$2,360$2,610
FY 2023$1,150$1,250$1,610$2,050$2,280

Questions about Liberty, NY rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,299, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,169 to $1,429 a month; under the ZIP-level Small Area FMR of $1,370 it would be $1,233 to $1,507. 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 Liberty, NY in?

Liberty, NY is in the Sullivan County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,299.

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

The two-bedroom FMR fell 9.9%, from $1,520 in FY 2026 to $1,370 in FY 2027. Since FY 2023 it has fallen 14.9%.

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