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Westchester County/Harrison/10528

10528

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

86Below average

095130300
BRFMR
Eff. Rent
0 BR$3,630$2,360
1 BR$3,820$2,810
2 BR$4,160$4,430
3 BR$5,260$5,620
4 BR$5,770$6,350
5 BR$6,635Not available
6 BR$7,631Not available
7 BR$8,775Not available
8 BR$10,092Not available

Purchase Price Calculator

Maximum purchase price
$596,380

Cost breakdown

+Likely effective rent$4,430
HUD FMR$4,160
Market rent$4,580
Est. payment standard (107%)Used$4,430
-Principal and interest-$3,016
Loan amount$477,104
Down payment$119,276
Rate6.50%
Term30 years
-Operating costs-$1,214
Property taxes-$596
Insurance-$175
Utilities$0
HOA$0
Management-$443
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$70,149(58.8% ROI)
Projected value
$642,236
Return breakdown
Property appreciation+$45,856
Loan principal paid down+$17,093
Rental cash flow+$7,200
5-year hold
+$120,851(101.3% ROI)
Projected value
$674,749
Return breakdown
Property appreciation+$78,369
Loan principal paid down+$30,482
Rental cash flow+$12,000
10-year hold
+$263,670(221.1% ROI)
Projected value
$763,416
Return breakdown
Property appreciation+$167,037
Loan principal paid down+$72,634
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.54
1 BR
1.36
2 BR
0.91
3 BR
0.91
4 BR
0.72
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10528 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10528 (Harrison, NY) is $4,160 a month. That is up 3.0% from $4,040 in FY 2026. Harrison 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, 10528 has the 5th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10528 is 200% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10528
BedroomsFY 2027Change90–110% range
Studio$3,630+3.4%$3,267–$3,993
1BR$3,820+3.5%$3,438–$4,202
2BR$4,160+3.0%$3,744–$4,576
3BR$5,260+4.0%$4,734–$5,786
4BR$5,770+4.9%$5,193–$6,347

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10528
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,630$3,820$4,160$5,260$5,770
FY 2026$3,510$3,690$4,040$5,060$5,500
FY 2025$3,300$3,440$3,810$4,750$5,120
FY 2024$2,190$2,570$3,130$3,840$4,170
FY 2023$1,950$2,270$2,760$3,420$3,780

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10528
10520$2,950−29.1%
10521$3,020−27.4%
10522$3,650−12.3%
10523$4,460+7.2%
10526$3,490−16.1%
10527$3,690−11.3%
10528Current$4,160—
10530$3,570−14.2%
10532$3,330−20.0%
10533$3,850−7.5%
10535$3,040−26.9%
10536$4,460+7.2%

Questions about ZIP 10528 rents

How much will Section 8 pay for a two-bedroom in ZIP 10528?

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 $4,160 it would be $3,744 to $4,576. 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 10528 in?

ZIP 10528 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 10528 for FY 2027?

The two-bedroom FMR rose 3.0%, from $4,040 in FY 2026 to $4,160 in FY 2027. Since FY 2023 it has risen 50.7%.

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 rentHarrison, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources