NY/Seneca County/WATERLOO
WATERLOO, NY
CitySAFMR
Seneca County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$920$1,010
1 BR$1,040$1,110
2 BR$1,290$1,260
3 BR$1,550$1,420
4 BR$1,930$1,430
5 BR$2,220
6 BR$2,552
7 BR$2,935
8 BR$3,376

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMR$1,290
Market rentUsed$1,260
Est. payment standard (98%)$1,270
Market rent is below the inferred standard ($1,270, 98% of FMR).
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Current value$125,319
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Current value$125,319
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Current value$125,319
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
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- 13165
0.84ratio
FMR$920
Market$1,090
vs market-$170

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

90% standard$828 / 0.76 ratio110% standard$1,012 / 0.93 ratio
0.84
1 BR
1 BR- 13165
0.91ratio
FMR$1,040
Market$1,140
vs market-$100

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

90% standard$936 / 0.82 ratio110% standard$1,144 / 1.00 ratio
0.91
2 BR
2 BR- 13165
1.02ratio
FMR$1,290
Market$1,260
vs market+$30

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

90% standard$1,161 / 0.92 ratio110% standard$1,419 / 1.13 ratio
1.02
3 BR
3 BR- 13165
1.09ratio
FMR$1,550
Market$1,420
vs market+$130

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

90% standard$1,395 / 0.98 ratio110% standard$1,705 / 1.20 ratio
1.09
4 BR
4 BR- 13165
1.35ratio
FMR$1,930
Market$1,430
vs market+$500

FMR is above market; underwrite to market rent.

90% standard$1,737 / 1.21 ratio110% standard$2,123 / 1.48 ratio
1.35
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 WATERLOO, 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

WATERLOO, NY fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for WATERLOO, NY shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,290 and the 4 bedroom fair market rent is $1,930.

Use this page for searches like WATERLOO, NY FMR, WATERLOO, NY fair market rent, and WATERLOO, 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 WATERLOO, NY
Bedroom sizeHUD FMR
Studio$920
1 bedroom$1,040
2 bedroom$1,290
3 bedroom$1,550
4 bedroom$1,930