NY/Putnam County/PATTERSON
PATTERSON, NY
CitySAFMR
Putnam County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,280$2,050
1 BR$2,390$2,440
2 BR$2,620$2,870
3 BR$3,280$3,410
4 BR$3,560$3,720
5 BR$4,094
6 BR$4,708
7 BR$5,414
8 BR$6,226

Purchase Price Calculator

Maximum purchase price
$364,564

Cost breakdown

+Likely effective rent$2,870
HUD FMR$2,620
Market rent$3,000
Est. payment standard (109%)Used$2,870
Estimated payment standard is $2,870 (109% of FMR).
-Principal and interest-$1,843
Loan amount$291,651
Down payment$72,913
Rate6.50%
Term30 years
-Operating costs-$827
Property taxes-$365
Insurance-$175
Utilities$0
HOA$0
Management-$287
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,681(62.7% ROI)
Projected value
$392,596
Current value$364,564
Return breakdown
Property appreciation+$28,032
Loan principal paid down+$10,449
Rental cash flow+$7,200
5-year hold
+$78,540(107.7% ROI)
Projected value
$412,471
Current value$364,564
Return breakdown
Property appreciation+$47,907
Loan principal paid down+$18,634
Rental cash flow+$12,000
10-year hold
+$170,509(233.9% ROI)
Projected value
$466,673
Current value$364,564
Return breakdown
Property appreciation+$102,109
Loan principal paid down+$44,401
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- 12563
1.11ratio
FMR$2,280
Market$2,050
vs market+$230

FMR is above market; underwrite to market rent.

90% standard$2,052 / 1.00 ratio110% standard$2,508 / 1.22 ratio
1.11
1 BR
1 BR- 12563
0.97ratio
FMR$2,390
Market$2,470
vs market-$80

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

90% standard$2,151 / 0.87 ratio110% standard$2,629 / 1.06 ratio
0.97
2 BR
2 BR- 12563
0.87ratio
FMR$2,620
Market$3,000
vs market-$380

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

90% standard$2,358 / 0.79 ratio110% standard$2,882 / 0.96 ratio
0.87
3 BR
3 BR- 12563
0.94ratio
FMR$3,280
Market$3,480
vs market-$200

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

90% standard$2,952 / 0.85 ratio110% standard$3,608 / 1.04 ratio
0.94
4 BR
4 BR- 12563
0.93ratio
FMR$3,560
Market$3,810
vs market-$250

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

90% standard$3,204 / 0.84 ratio110% standard$3,916 / 1.03 ratio
0.93
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 PATTERSON, 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

PATTERSON, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for PATTERSON, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,620 and the 4 bedroom fair market rent is $3,560.

Use this page for searches like PATTERSON, NY FMR, PATTERSON, NY fair market rent, and PATTERSON, 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 PATTERSON, NY
Bedroom sizeHUD FMR
Studio$2,280
1 bedroom$2,390
2 bedroom$2,620
3 bedroom$3,280
4 bedroom$3,560