NY/Suffolk County/RIVERHEAD
RIVERHEAD, NY
CitySAFMR
Suffolk County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,870$2,060
1 BR$2,230$2,450
2 BR$2,580$2,840
3 BR$3,350$3,690
4 BR$3,540$3,890
5 BR$4,071
6 BR$4,682
7 BR$5,384
8 BR$6,191

Purchase Price Calculator

Maximum purchase price
$360,106

Cost breakdown

+Likely effective rent$2,840
HUD FMR$2,580
Market rent$4,910
Est. payment standard (110%)Used$2,840
Estimated payment standard is $2,840 (110% of FMR).
-Principal and interest-$1,821
Loan amount$288,085
Down payment$72,021
Rate6.50%
Term30 years
-Operating costs-$819
Property taxes-$360
Insurance-$175
Utilities$0
HOA$0
Management-$284
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,210(62.8% ROI)
Projected value
$387,795
Current value$360,106
Return breakdown
Property appreciation+$27,689
Loan principal paid down+$10,321
Rental cash flow+$7,200
5-year hold
+$77,727(107.9% ROI)
Projected value
$407,427
Current value$360,106
Return breakdown
Property appreciation+$47,321
Loan principal paid down+$18,406
Rental cash flow+$12,000
10-year hold
+$168,718(234.3% ROI)
Projected value
$460,967
Current value$360,106
Return breakdown
Property appreciation+$100,860
Loan principal paid down+$43,858
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- 11901
0.71ratio
FMR$1,870
Market$2,640
vs market-$770

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

90% standard$1,683 / 0.64 ratio110% standard$2,057 / 0.78 ratio
0.71
1 BR
1 BR- 11901
0.85ratio
FMR$2,230
Market$2,610
vs market-$380

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

90% standard$2,007 / 0.77 ratio110% standard$2,453 / 0.94 ratio
0.85
2 BR
2 BR- 11901
0.53ratio
FMR$2,580
Market$4,910
vs market-$2,330

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

0.53
3 BR
3 BR- 11901
0.36ratio
FMR$3,350
Market$9,370
vs market-$6,020

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

0.36
4 BR
4 BR- 11901
0.34ratio
FMR$3,540
Market$10,300
vs market-$6,760

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

0.34
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 RIVERHEAD, 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

RIVERHEAD, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for RIVERHEAD, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,580 and the 4 bedroom fair market rent is $3,540.

Use this page for searches like RIVERHEAD, NY FMR, RIVERHEAD, NY fair market rent, and RIVERHEAD, 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 RIVERHEAD, NY
Bedroom sizeHUD FMR
Studio$1,870
1 bedroom$2,230
2 bedroom$2,580
3 bedroom$3,350
4 bedroom$3,540