10304
ZIPSAFMR
Richmond County, NY
BRFMR
Eff. Rent
0 BR$2,290$2,240
1 BR$2,410$2,070
2 BR$2,640$2,600
3 BR$3,310$3,390
4 BR$3,590$3,620
5 BR$4,129
6 BR$4,748
7 BR$5,460
8 BR$6,279

Purchase Price Calculator

Maximum purchase price
$324,442

Cost breakdown

+Likely effective rent$2,600
HUD FMR$2,640
Market rentUsed$2,600
Est. payment standard (99%)$2,610
Market rent is below the inferred standard ($2,610, 99% of FMR).
-Principal and interest-$1,641
Loan amount$259,554
Down payment$64,888
Rate6.50%
Term30 years
-Operating costs-$759
Property taxes-$324
Insurance-$175
Utilities$0
HOA$0
Management-$260
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,446(63.9% ROI)
Projected value
$349,389
Current value$324,442
Return breakdown
Property appreciation+$24,947
Loan principal paid down+$9,299
Rental cash flow+$7,200
5-year hold
+$71,217(109.8% ROI)
Projected value
$367,077
Current value$324,442
Return breakdown
Property appreciation+$42,634
Loan principal paid down+$16,583
Rental cash flow+$12,000
10-year hold
+$154,385(237.9% ROI)
Projected value
$415,314
Current value$324,442
Return breakdown
Property appreciation+$90,871
Loan principal paid down+$39,514
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
1.02ratio
FMR$2,290
Market$2,240
vs market+$50

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

90% standard$2,061 / 0.92 ratio110% standard$2,519 / 1.12 ratio
1.02
1 BR
1 BR
1.16ratio
FMR$2,410
Market$2,070
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,169 / 1.05 ratio110% standard$2,651 / 1.28 ratio
1.16
2 BR
2 BR
1.02ratio
FMR$2,640
Market$2,600
vs market+$40

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

90% standard$2,376 / 0.91 ratio110% standard$2,904 / 1.12 ratio
1.02
3 BR
3 BR
0.97ratio
FMR$3,310
Market$3,430
vs market-$120

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

90% standard$2,979 / 0.87 ratio110% standard$3,641 / 1.06 ratio
0.97
4 BR
4 BR
0.99ratio
FMR$3,590
Market$3,640
vs market-$50

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

90% standard$3,231 / 0.89 ratio110% standard$3,949 / 1.08 ratio
0.99
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 10304 (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.

10304 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10304 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,640 and the 4 bedroom fair market rent is $3,590.

Use this page for searches like 10304 FMR, 10304 fair market rent, and 10304 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 10304
Bedroom sizeHUD FMR
Studio$2,290
1 bedroom$2,410
2 bedroom$2,640
3 bedroom$3,310
4 bedroom$3,590