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NY/Suffolk County/UPTON

UPTON, NY

CitySAFMR
Suffolk County
Found 1 ZIP
Zillow
BRFMR
Eff. Rent
0 BR$1,940▲$2,130
1 BR$2,310▲$2,280
2 BR$2,670▲$2,940
3 BR$3,460▲$3,530
4 BR$3,660▲$4,030
5 BR$4,209▲—
6 BR$4,840▲—
7 BR$5,566▲—
8 BR$6,401▲—

Purchase Price Calculator

Maximum purchase price
$374,966

Cost breakdown

+Likely effective rent$2,940
HUD FMR$2,670
Market rent$3,200
Est. payment standard (110%)Used$2,940
Estimated payment standard is $2,940 (110% of FMR).
-Principal and interest-$1,896
Loan amount$299,973
Down payment$74,993
Rate6.50%
Term30 years
-Operating costs-$844
Property taxes-$375
Insurance-$175
Utilities$0
HOA$0
Management-$294
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$46,779(62.4% ROI)
Projected value
$403,798
Current value$374,966
Return breakdown
Property appreciation+$28,831
Loan principal paid down+$10,747
Rental cash flow+$7,200
5-year hold
+$80,439(107.3% ROI)
Projected value
$424,240
Current value$374,966
Return breakdown
Property appreciation+$49,274
Loan principal paid down+$19,165
Rental cash flow+$12,000
10-year hold
+$174,690(232.9% ROI)
Projected value
$479,989
Current value$374,966
Return breakdown
Property appreciation+$105,022
Loan principal paid down+$45,668
Rental cash flow+$24,000

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 11973
0.75ratio
FMR$1,940
Market$2,600
vs market-$660

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

90% standard$1,746 / 0.67 ratio110% standard$2,134 / 0.82 ratio
0.75
1 BR
1 BR- 11973
1.01ratio
FMR$2,310
Market$2,280
vs market+$30

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

90% standard$2,079 / 0.91 ratio110% standard$2,541 / 1.11 ratio
1.01
2 BR
2 BR- 11973
0.83ratio
FMR$2,670
Market$3,200
vs market-$530

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

90% standard$2,403 / 0.75 ratio110% standard$2,937 / 0.92 ratio
0.83
3 BR
3 BR- 11973
0.97ratio
FMR$3,460
Market$3,570
vs market-$110

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

90% standard$3,114 / 0.87 ratio110% standard$3,806 / 1.07 ratio
0.97
4 BR
4 BR- 11973
0.85ratio
FMR$3,660
Market$4,290
vs market-$630

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

90% standard$3,294 / 0.77 ratio110% standard$4,026 / 0.94 ratio
0.85
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 UPTON, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
11973

UPTON, NY fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for UPTON, NY shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,670 and the 4 bedroom fair market rent is $3,660.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for UPTON, NY
Bedroom sizeHUD FMR
Studio$1,940
1 bedroom$2,310
2 bedroom$2,670
3 bedroom$3,460
4 bedroom$3,660
Suffolk County fair market rent11973 FMR