NY/Nassau County/OYSTER BAY
OYSTER BAY, NY
CitySAFMR
Nassau County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,810$1,990
1 BR$2,160$2,380
2 BR$2,490$2,740
3 BR$3,230$3,550
4 BR$3,420$3,760
5 BR$3,933
6 BR$4,523
7 BR$5,201
8 BR$5,982

Purchase Price Calculator

Maximum purchase price
$345,246

Cost breakdown

+Likely effective rent$2,740
HUD FMR$2,490
Market rent$3,740
Est. payment standard (110%)Used$2,740
Estimated payment standard is $2,740 (110% of FMR).
-Principal and interest-$1,746
Loan amount$276,197
Down payment$69,049
Rate6.50%
Term30 years
-Operating costs-$794
Property taxes-$345
Insurance-$175
Utilities$0
HOA$0
Management-$274
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,642(63.2% ROI)
Projected value
$371,793
Current value$345,246
Return breakdown
Property appreciation+$26,546
Loan principal paid down+$9,895
Rental cash flow+$7,200
5-year hold
+$75,015(108.6% ROI)
Projected value
$390,615
Current value$345,246
Return breakdown
Property appreciation+$45,368
Loan principal paid down+$17,646
Rental cash flow+$12,000
10-year hold
+$162,746(235.7% ROI)
Projected value
$441,945
Current value$345,246
Return breakdown
Property appreciation+$96,698
Loan principal paid down+$42,048
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- 11771
0.52ratio
FMR$1,810
Market$3,510
vs market-$1,700

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

0.52
1 BR
1 BR- 11771
0.71ratio
FMR$2,160
Market$3,050
vs market-$890

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

90% standard$1,944 / 0.64 ratio110% standard$2,376 / 0.78 ratio
0.71
2 BR
2 BR- 11771
0.67ratio
FMR$2,490
Market$3,740
vs market-$1,250

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

90% standard$2,241 / 0.60 ratio110% standard$2,739 / 0.73 ratio
0.67
3 BR
3 BR- 11771
0.66ratio
FMR$3,230
Market$4,920
vs market-$1,690

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

90% standard$2,907 / 0.59 ratio110% standard$3,553 / 0.72 ratio
0.66
4 BR
4 BR- 11771
0.57ratio
FMR$3,420
Market$5,990
vs market-$2,570

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

90% standard$3,078 / 0.51 ratio110% standard$3,762 / 0.63 ratio
0.57
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 OYSTER BAY, 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

OYSTER BAY, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for OYSTER BAY, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,490 and the 4 bedroom fair market rent is $3,420.

Use this page for searches like OYSTER BAY, NY FMR, OYSTER BAY, NY fair market rent, and OYSTER BAY, 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 OYSTER BAY, NY
Bedroom sizeHUD FMR
Studio$1,810
1 bedroom$2,160
2 bedroom$2,490
3 bedroom$3,230
4 bedroom$3,420