10039
ZIPSAFMR
New York County, NY
BRFMR
Eff. Rent
0 BR$2,170$2,320
1 BR$2,260$2,490
2 BR$2,510$2,760
3 BR$3,120$2,700
4 BR$3,370$2,590
5 BR$3,875
6 BR$4,457
7 BR$5,125
8 BR$5,894

Purchase Price Calculator

Maximum purchase price
$348,218

Cost breakdown

+Likely effective rent$2,760
HUD FMR$2,510
Market rent$3,010
Est. payment standard (110%)Used$2,760
Estimated payment standard is $2,760 (110% of FMR).
-Principal and interest-$1,761
Loan amount$278,575
Down payment$69,644
Rate6.50%
Term30 years
-Operating costs-$799
Property taxes-$348
Insurance-$175
Utilities$0
HOA$0
Management-$276
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,955(63.1% ROI)
Projected value
$374,993
Current value$348,218
Return breakdown
Property appreciation+$26,775
Loan principal paid down+$9,981
Rental cash flow+$7,200
5-year hold
+$75,557(108.5% ROI)
Projected value
$393,977
Current value$348,218
Return breakdown
Property appreciation+$45,759
Loan principal paid down+$17,798
Rental cash flow+$12,000
10-year hold
+$163,940(235.4% ROI)
Projected value
$445,749
Current value$348,218
Return breakdown
Property appreciation+$97,531
Loan principal paid down+$42,410
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
0.90ratio
FMR$2,170
Market$2,400
vs market-$230

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

90% standard$1,953 / 0.81 ratio110% standard$2,387 / 0.99 ratio
0.90
1 BR
1 BR
0.80ratio
FMR$2,260
Market$2,840
vs market-$580

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

90% standard$2,034 / 0.72 ratio110% standard$2,486 / 0.88 ratio
0.80
2 BR
2 BR
0.83ratio
FMR$2,510
Market$3,010
vs market-$500

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

90% standard$2,259 / 0.75 ratio110% standard$2,761 / 0.92 ratio
0.83
3 BR
3 BR
1.16ratio
FMR$3,120
Market$2,700
vs market+$420

FMR is above market; underwrite to market rent.

90% standard$2,808 / 1.04 ratio110% standard$3,432 / 1.27 ratio
1.16
4 BR
4 BR
1.30ratio
FMR$3,370
Market$2,590
vs market+$780

FMR is above market; underwrite to market rent.

90% standard$3,033 / 1.17 ratio110% standard$3,707 / 1.43 ratio
1.30
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 10039 (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.

10039 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10039 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,510 and the 4 bedroom fair market rent is $3,370.

Use this page for searches like 10039 FMR, 10039 fair market rent, and 10039 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 10039
Bedroom sizeHUD FMR
Studio$2,170
1 bedroom$2,260
2 bedroom$2,510
3 bedroom$3,120
4 bedroom$3,370