06390
ZIPFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$1,992$2,190
1 BR$2,379$2,620
2 BR$2,747$3,020
3 BR$3,563$3,170
4 BR$3,768$3,590
5 BR$4,333
6 BR$4,983
7 BR$5,731
8 BR$6,590

Purchase Price Calculator

Maximum purchase price
$386,854

Cost breakdown

+Likely effective rent$3,020
HUD FMR$2,747
Market rent$3,400
Est. payment standard (110%)Used$3,020
Estimated payment standard is $3,020 (110% of FMR).
-Principal and interest-$1,956
Loan amount$309,483
Down payment$77,371
Rate6.50%
Term30 years
-Operating costs-$864
Property taxes-$387
Insurance-$175
Utilities$0
HOA$0
Management-$302
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,034(62.1% ROI)
Projected value
$416,600
Current value$386,854
Return breakdown
Property appreciation+$29,745
Loan principal paid down+$11,088
Rental cash flow+$7,200
5-year hold
+$82,609(106.8% ROI)
Projected value
$437,690
Current value$386,854
Return breakdown
Property appreciation+$50,836
Loan principal paid down+$19,773
Rental cash flow+$12,000
10-year hold
+$179,467(232.0% ROI)
Projected value
$495,206
Current value$386,854
Return breakdown
Property appreciation+$108,352
Loan principal paid down+$47,115
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
0.68ratio
FMR$1,992
Market$2,930
vs market-$938

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

90% standard$1,793 / 0.61 ratio110% standard$2,191 / 0.75 ratio
0.68
1 BR
1 BR
0.82ratio
FMR$2,379
Market$2,910
vs market-$531

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

90% standard$2,141 / 0.74 ratio110% standard$2,617 / 0.90 ratio
0.82
2 BR
2 BR
0.81ratio
FMR$2,747
Market$3,400
vs market-$653

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

90% standard$2,472 / 0.73 ratio110% standard$3,022 / 0.89 ratio
0.81
3 BR
3 BR
1.12ratio
FMR$3,563
Market$3,170
vs market+$393

FMR is above market; underwrite to market rent.

90% standard$3,207 / 1.01 ratio110% standard$3,919 / 1.24 ratio
1.12
4 BR
4 BR
1.05ratio
FMR$3,768
Market$3,590
vs market+$178

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

90% standard$3,391 / 0.94 ratio110% standard$4,145 / 1.15 ratio
1.05
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 06390 (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 FMR 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.

06390 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 06390 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,747 and the 4 bedroom fair market rent is $3,768.

Use this page for searches like 06390 FMR, 06390 fair market rent, and 06390 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 06390
Bedroom sizeHUD FMR
Studio$1,992
1 bedroom$2,379
2 bedroom$2,747
3 bedroom$3,563
4 bedroom$3,768