Skip to main content
Loading page
New York County/New York/10010

10010

ZIPSAFMR
New York County, NY
Zillow

ZIP Investment Score

14Below average

095130300
BRFMR
Eff. Rent
0 BR$3,530$3,880
1 BR$3,710$4,080
2 BR$4,040$4,440
3 BR$5,110$5,620
4 BR$5,600$6,160
5 BR$6,440Not available
6 BR$7,406Not available
7 BR$8,517Not available
8 BR$9,794Not available

Purchase Price Calculator

Maximum purchase price
$597,866

Cost breakdown

+Likely effective rent$4,440
HUD FMR$4,040
Market rent$8,200
Est. payment standard (110%)Used$4,440
-Principal and interest-$3,023
Loan amount$478,293
Down payment$119,573
Rate6.50%
Term30 years
-Operating costs-$1,217
Property taxes-$598
Insurance-$175
Utilities$0
HOA$0
Management-$444
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$70,306(58.8% ROI)
Projected value
$643,836
Return breakdown
Property appreciation+$45,970
Loan principal paid down+$17,136
Rental cash flow+$7,200
5-year hold
+$121,123(101.3% ROI)
Projected value
$676,430
Return breakdown
Property appreciation+$78,564
Loan principal paid down+$30,558
Rental cash flow+$12,000
10-year hold
+$264,268(221.0% ROI)
Projected value
$765,319
Return breakdown
Property appreciation+$167,453
Loan principal paid down+$72,815
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.81
1 BR
0.62
2 BR
0.49
3 BR
0.63
4 BR
0.67
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10010 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10010 (New York, NY) is $4,040 a month. That is up 7.4% from $3,760 in FY 2026. New York is in the New York, NY HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,971. Among 128 ZIP codes in New York County, 10010 has the 24th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10010 is 192% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10010
BedroomsFY 2027Change90–110% range
Studio$3,530+8.0%$3,177–$3,883
1BR$3,710+8.2%$3,339–$4,081
2BR$4,040+7.4%$3,636–$4,444
3BR$5,110+8.5%$4,599–$5,621
4BR$5,600+9.4%$5,040–$6,160

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10010
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,530$3,710$4,040$5,110$5,600
FY 2026$3,270$3,430$3,760$4,710$5,120
FY 2025$2,920$3,050$3,380$4,210$4,540
FY 2024$3,060$3,140$3,530$4,400$4,750
FY 2023$3,120$3,190$3,600$4,520$4,870

Two-bedroom rent in nearby New York County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10010
10004$3,680−8.9%
10005$3,680−8.9%
10006$3,680−8.9%
10007$3,680−8.9%
10008$3,680−8.9%
10009$3,310−18.1%
10010Current$4,040—
10011$4,460+10.4%
10012$4,460+10.4%
10013$4,460+10.4%
10014$4,460+10.4%
10016$4,460+10.4%

Questions about ZIP 10010 rents

How much will Section 8 pay for a two-bedroom in ZIP 10010?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,971, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,674 to $3,268 a month; under the ZIP-level Small Area FMR of $4,040 it would be $3,636 to $4,444. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 10010 in?

ZIP 10010 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,971.

How much did fair market rent change in ZIP 10010 for FY 2027?

The two-bedroom FMR rose 7.4%, from $3,760 in FY 2026 to $4,040 in FY 2027. Since FY 2023 it has risen 12.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentNew York, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources