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Westchester County/Croton On Hudson/10520

10520

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

75Below average

095130300
BRFMR
Eff. Rent
0 BR$2,570$2,210
1 BR$2,710$2,610
2 BR$2,950$3,250
3 BR$3,730$4,100
4 BR$4,090$4,500
5 BR$4,704Not available
6 BR$5,409Not available
7 BR$6,220Not available
8 BR$7,153Not available

Purchase Price Calculator

Maximum purchase price
$421,032

Cost breakdown

+Likely effective rent$3,250
HUD FMR$2,950
Market rent$3,840
Est. payment standard (110%)Used$3,250
-Principal and interest-$2,129
Loan amount$336,826
Down payment$84,206
Rate6.50%
Term30 years
-Operating costs-$921
Property taxes-$421
Insurance-$175
Utilities$0
HOA$0
Management-$325
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,641(61.3% ROI)
Projected value
$453,406
Return breakdown
Property appreciation+$32,373
Loan principal paid down+$12,068
Rental cash flow+$7,200
5-year hold
+$88,847(105.5% ROI)
Projected value
$476,359
Return breakdown
Property appreciation+$55,327
Loan principal paid down+$21,520
Rental cash flow+$12,000
10-year hold
+$193,203(229.4% ROI)
Projected value
$538,957
Return breakdown
Property appreciation+$117,925
Loan principal paid down+$51,278
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.16
1 BR
1.04
2 BR
0.77
3 BR
0.84
4 BR
0.75
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10520 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10520 (Croton On Hudson, NY) is $2,950 a month. That is up 3.9% from $2,840 in FY 2026. Croton On Hudson is in the New York, NY HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,971. Among 86 ZIP codes in Westchester County, 10520 has the 67th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10520 is 113% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10520
BedroomsFY 2027Change90–110% range
Studio$2,570+4.0%$2,313–$2,827
1BR$2,710+4.6%$2,439–$2,981
2BR$2,950+3.9%$2,655–$3,245
3BR$3,730+4.8%$3,357–$4,103
4BR$4,090+6.0%$3,681–$4,499

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10520
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,570$2,710$2,950$3,730$4,090
FY 2026$2,470$2,590$2,840$3,560$3,860
FY 2025$2,290$2,390$2,650$3,300$3,560
FY 2024$1,520$1,780$2,170$2,660$2,890
FY 2023$1,300$1,510$1,840$2,280$2,520

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10520
10511$2,770−6.1%
10514$4,110+39.3%
10517$2,620−11.2%
10518$3,980+34.9%
10519$3,330+12.9%
10520Current$2,950—
10521$3,020+2.4%
10522$3,650+23.7%
10523$4,460+51.2%
10526$3,490+18.3%
10527$3,690+25.1%
10528$4,160+41.0%

Questions about ZIP 10520 rents

How much will Section 8 pay for a two-bedroom in ZIP 10520?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,971, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,674 to $3,268 a month; under the ZIP-level Small Area FMR of $2,950 it would be $2,655 to $3,245. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 10520 in?

ZIP 10520 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,971.

How much did fair market rent change in ZIP 10520 for FY 2027?

The two-bedroom FMR rose 3.9%, from $2,840 in FY 2026 to $2,950 in FY 2027. Since FY 2023 it has risen 60.3%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentCroton On Hudson, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources