10303
ZIPSAFMR
Richmond County, NY
BRFMR
Eff. Rent
0 BR$2,470$1,960
1 BR$2,590$2,030
2 BR$2,840$2,830
3 BR$3,560$3,220
4 BR$3,860$3,260
5 BR$4,439
6 BR$5,105
7 BR$5,871
8 BR$6,751

Purchase Price Calculator

Maximum purchase price
$358,620

Cost breakdown

+Likely effective rent$2,830
HUD FMR$2,840
Market rentUsed$2,830
Est. payment standard (100%)$2,830
Market rent is below the inferred standard ($2,830, 100% of FMR).
-Principal and interest-$1,813
Loan amount$286,896
Down payment$71,724
Rate6.50%
Term30 years
-Operating costs-$817
Property taxes-$359
Insurance-$175
Utilities$0
HOA$0
Management-$283
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$45,053(62.8% ROI)
Projected value
$386,195
Current value$358,620
Return breakdown
Property appreciation+$27,575
Loan principal paid down+$10,279
Rental cash flow+$7,200
5-year hold
+$77,456(108.0% ROI)
Projected value
$405,746
Current value$358,620
Return breakdown
Property appreciation+$47,126
Loan principal paid down+$18,330
Rental cash flow+$12,000
10-year hold
+$168,121(234.4% ROI)
Projected value
$459,064
Current value$358,620
Return breakdown
Property appreciation+$100,444
Loan principal paid down+$43,677
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
1.26ratio
FMR$2,470
Market$1,960
vs market+$510

FMR is above market; underwrite to market rent.

90% standard$2,223 / 1.13 ratio110% standard$2,717 / 1.39 ratio
1.26
1 BR
1 BR
1.28ratio
FMR$2,590
Market$2,030
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,331 / 1.15 ratio110% standard$2,849 / 1.40 ratio
1.28
2 BR
2 BR
1.00ratio
FMR$2,840
Market$2,830
vs market+$10

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

90% standard$2,556 / 0.90 ratio110% standard$3,124 / 1.10 ratio
1.00
3 BR
3 BR
1.11ratio
FMR$3,560
Market$3,220
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$3,204 / 1.00 ratio110% standard$3,916 / 1.22 ratio
1.11
4 BR
4 BR
1.18ratio
FMR$3,860
Market$3,260
vs market+$600

FMR is above market; underwrite to market rent.

90% standard$3,474 / 1.07 ratio110% standard$4,246 / 1.30 ratio
1.18
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

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 10303 (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.

10303 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10303 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,840 and the 4 bedroom fair market rent is $3,860.

Use this page for searches like 10303 FMR, 10303 fair market rent, and 10303 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 10303
Bedroom sizeHUD FMR
Studio$2,470
1 bedroom$2,590
2 bedroom$2,840
3 bedroom$3,560
4 bedroom$3,860