NY/Suffolk County/SMITHTOWN
SMITHTOWN, NY
CitySAFMR
Suffolk County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$2,290$2,110
1 BR$2,740$2,580
2 BR$3,160$3,370
3 BR$4,100$4,190
4 BR$4,330$4,660
5 BR$4,980
6 BR$5,726
7 BR$6,585
8 BR$7,573

Purchase Price Calculator

Maximum purchase price
$438,864

Cost breakdown

+Likely effective rent$3,370
HUD FMR$3,160
Market rent$3,490
Est. payment standard (107%)Used$3,370
Estimated payment standard is $3,370 (107% of FMR).
-Principal and interest-$2,219
Loan amount$351,091
Down payment$87,773
Rate6.50%
Term30 years
-Operating costs-$951
Property taxes-$439
Insurance-$175
Utilities$0
HOA$0
Management-$337
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,523(61.0% ROI)
Projected value
$472,609
Current value$438,864
Return breakdown
Property appreciation+$33,745
Loan principal paid down+$12,579
Rental cash flow+$7,200
5-year hold
+$92,102(104.9% ROI)
Projected value
$496,534
Current value$438,864
Return breakdown
Property appreciation+$57,670
Loan principal paid down+$22,431
Rental cash flow+$12,000
10-year hold
+$200,369(228.3% ROI)
Projected value
$561,783
Current value$438,864
Return breakdown
Property appreciation+$122,919
Loan principal paid down+$53,450
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- 11787
1.09ratio
FMR$2,290
Market$2,110
vs market+$180

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

90% standard$2,061 / 0.98 ratio110% standard$2,519 / 1.19 ratio
1.09
1 BR
1 BR- 11787
1.06ratio
FMR$2,740
Market$2,580
vs market+$160

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

90% standard$2,466 / 0.96 ratio110% standard$3,014 / 1.17 ratio
1.06
2 BR
2 BR- 11787
0.91ratio
FMR$3,160
Market$3,490
vs market-$330

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

90% standard$2,844 / 0.81 ratio110% standard$3,476 / 1.00 ratio
0.91
3 BR
3 BR- 11787
0.97ratio
FMR$4,100
Market$4,240
vs market-$140

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

90% standard$3,690 / 0.87 ratio110% standard$4,510 / 1.06 ratio
0.97
4 BR
4 BR- 11787
0.90ratio
FMR$4,330
Market$4,830
vs market-$500

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

90% standard$3,897 / 0.81 ratio110% standard$4,763 / 0.99 ratio
0.90
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 SMITHTOWN, 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

SMITHTOWN, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for SMITHTOWN, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,160 and the 4 bedroom fair market rent is $4,330.

Use this page for searches like SMITHTOWN, NY FMR, SMITHTOWN, NY fair market rent, and SMITHTOWN, 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 SMITHTOWN, NY
Bedroom sizeHUD FMR
Studio$2,290
1 bedroom$2,740
2 bedroom$3,160
3 bedroom$4,100
4 bedroom$4,330