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New York County/New York/10026

10026

ZIPSAFMR
New York County, NY
Zillow

ZIP Investment Score

19Below average

095130300
BRFMR
Eff. Rent
0 BR$2,860$2,660
1 BR$3,010$3,120
2 BR$3,280$3,390
3 BR$4,150$1,570
4 BR$4,550$1,570
5 BR$5,233Not available
6 BR$6,017Not available
7 BR$6,920Not available
8 BR$7,958Not available

Purchase Price Calculator

Maximum purchase price
$441,836

Cost breakdown

+Likely effective rent$3,390
HUD FMR$3,280
Market rent$3,450
Est. payment standard (103%)Used$3,390
-Principal and interest-$2,234
Loan amount$353,469
Down payment$88,367
Rate6.50%
Term30 years
-Operating costs-$956
Property taxes-$442
Insurance-$175
Utilities$0
HOA$0
Management-$339
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,837(60.9% ROI)
Projected value
$475,809
Return breakdown
Property appreciation+$33,973
Loan principal paid down+$12,664
Rental cash flow+$7,200
5-year hold
+$92,644(104.8% ROI)
Projected value
$499,897
Return breakdown
Property appreciation+$58,061
Loan principal paid down+$22,583
Rental cash flow+$12,000
10-year hold
+$201,563(228.1% ROI)
Projected value
$565,588
Return breakdown
Property appreciation+$123,751
Loan principal paid down+$53,812
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.08
1 BR
0.95
2 BR
0.95
3 BR
2.64
4 BR
2.90
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10026 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10026 (New York, NY) is $3,280 a month. That is up 6.8% from $3,070 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, 10026 is tied for the 114th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10026 is 137% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10026
BedroomsFY 2027Change90–110% range
Studio$2,860+7.1%$2,574–$3,146
1BR$3,010+7.5%$2,709–$3,311
2BR$3,280+6.8%$2,952–$3,608
3BR$4,150+8.1%$3,735–$4,565
4BR$4,550+8.9%$4,095–$5,005

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10026
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,860$3,010$3,280$4,150$4,550
FY 2026$2,670$2,800$3,070$3,840$4,180
FY 2025$2,350$2,450$2,710$3,380$3,640
FY 2024$2,260$2,320$2,610$3,260$3,510
FY 2023$2,070$2,120$2,390$3,000$3,230

Two-bedroom rent in nearby New York County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10026
10020$3,680+12.2%
10021$4,460+36.0%
10022$4,460+36.0%
10023$4,460+36.0%
10024$4,460+36.0%
10025$3,2800.0%
10026Current$3,280—
10027$2,830−13.7%
10028$4,460+36.0%
10029$2,620−20.1%
10030$2,620−20.1%
10031$2,880−12.2%

Questions about ZIP 10026 rents

How much will Section 8 pay for a two-bedroom in ZIP 10026?

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 $3,280 it would be $2,952 to $3,608. 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 10026 in?

ZIP 10026 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 10026 for FY 2027?

The two-bedroom FMR rose 6.8%, from $3,070 in FY 2026 to $3,280 in FY 2027. Since FY 2023 it has risen 37.2%.

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