10305
ZIPSAFMR
Richmond County, NY
BRFMR
Eff. Rent
0 BR$2,290$2,160
1 BR$2,400$2,130
2 BR$2,630$2,680
3 BR$3,290$3,330
4 BR$3,580$3,520
5 BR$4,117
6 BR$4,735
7 BR$5,445
8 BR$6,261

Purchase Price Calculator

Maximum purchase price
$336,330

Cost breakdown

+Likely effective rent$2,680
HUD FMR$2,630
Market rent$2,710
Est. payment standard (102%)Used$2,680
Estimated payment standard is $2,680 (102% of FMR).
-Principal and interest-$1,701
Loan amount$269,064
Down payment$67,266
Rate6.50%
Term30 years
-Operating costs-$779
Property taxes-$336
Insurance-$175
Utilities$0
HOA$0
Management-$268
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,701(63.5% ROI)
Projected value
$362,191
Current value$336,330
Return breakdown
Property appreciation+$25,861
Loan principal paid down+$9,640
Rental cash flow+$7,200
5-year hold
+$73,387(109.1% ROI)
Projected value
$380,527
Current value$336,330
Return breakdown
Property appreciation+$44,197
Loan principal paid down+$17,191
Rental cash flow+$12,000
10-year hold
+$159,163(236.6% ROI)
Projected value
$430,531
Current value$336,330
Return breakdown
Property appreciation+$94,201
Loan principal paid down+$40,962
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
1.06ratio
FMR$2,290
Market$2,160
vs market+$130

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

90% standard$2,061 / 0.95 ratio110% standard$2,519 / 1.17 ratio
1.06
1 BR
1 BR
1.13ratio
FMR$2,400
Market$2,130
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,160 / 1.01 ratio110% standard$2,640 / 1.24 ratio
1.13
2 BR
2 BR
0.97ratio
FMR$2,630
Market$2,710
vs market-$80

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

90% standard$2,367 / 0.87 ratio110% standard$2,893 / 1.07 ratio
0.97
3 BR
3 BR
0.98ratio
FMR$3,290
Market$3,350
vs market-$60

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

90% standard$2,961 / 0.88 ratio110% standard$3,619 / 1.08 ratio
0.98
4 BR
4 BR
1.02ratio
FMR$3,580
Market$3,520
vs market+$60

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

90% standard$3,222 / 0.92 ratio110% standard$3,938 / 1.12 ratio
1.02
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 10305 (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.

10305 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10305 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,630 and the 4 bedroom fair market rent is $3,580.

Use this page for searches like 10305 FMR, 10305 fair market rent, and 10305 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 10305
Bedroom sizeHUD FMR
Studio$2,290
1 bedroom$2,400
2 bedroom$2,630
3 bedroom$3,290
4 bedroom$3,580