10314
ZIPSAFMR
Richmond County, NY
BRFMR
Eff. Rent
0 BR$2,510$1,580
1 BR$2,640$1,900
2 BR$2,890$2,470
3 BR$3,620$3,190
4 BR$3,930$3,310
5 BR$4,520
6 BR$5,197
7 BR$5,977
8 BR$6,874

Purchase Price Calculator

Maximum purchase price
$305,124

Cost breakdown

+Likely effective rent$2,470
HUD FMR$2,890
Market rentUsed$2,470
Est. payment standard (91%)$2,620
Market rent is below the inferred standard ($2,620, 91% of FMR).
-Principal and interest-$1,543
Loan amount$244,100
Down payment$61,025
Rate6.50%
Term30 years
-Operating costs-$727
Property taxes-$305
Insurance-$175
Utilities$0
HOA$0
Management-$247
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,407(64.6% ROI)
Projected value
$328,586
Current value$305,124
Return breakdown
Property appreciation+$23,461
Loan principal paid down+$8,745
Rental cash flow+$7,200
5-year hold
+$67,691(110.9% ROI)
Projected value
$345,220
Current value$305,124
Return breakdown
Property appreciation+$40,096
Loan principal paid down+$15,596
Rental cash flow+$12,000
10-year hold
+$146,622(240.3% ROI)
Projected value
$390,585
Current value$305,124
Return breakdown
Property appreciation+$85,461
Loan principal paid down+$37,161
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
1.59ratio
FMR$2,510
Market$1,580
vs market+$930

FMR is above market; underwrite to market rent.

1.59
1 BR
1 BR
1.39ratio
FMR$2,640
Market$1,900
vs market+$740

FMR is above market; underwrite to market rent.

90% standard$2,376 / 1.25 ratio110% standard$2,904 / 1.53 ratio
1.39
2 BR
2 BR
1.17ratio
FMR$2,890
Market$2,470
vs market+$420

FMR is above market; underwrite to market rent.

90% standard$2,601 / 1.05 ratio110% standard$3,179 / 1.29 ratio
1.17
3 BR
3 BR
1.13ratio
FMR$3,620
Market$3,190
vs market+$430

FMR is above market; underwrite to market rent.

90% standard$3,258 / 1.02 ratio110% standard$3,982 / 1.25 ratio
1.13
4 BR
4 BR
1.19ratio
FMR$3,930
Market$3,310
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$3,537 / 1.07 ratio110% standard$4,323 / 1.31 ratio
1.19
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom 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 10314 (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.

10314 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10314 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,890 and the 4 bedroom fair market rent is $3,930.

Use this page for searches like 10314 FMR, 10314 fair market rent, and 10314 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 10314
Bedroom sizeHUD FMR
Studio$2,510
1 bedroom$2,640
2 bedroom$2,890
3 bedroom$3,620
4 bedroom$3,930