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Westchester County/Hawthorne/10532

10532

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

63Below average

095130300
BRFMR
Eff. Rent
0 BR$2,890$2,560
1 BR$3,010$2,830
2 BR$3,330$3,570
3 BR$4,150$4,510
4 BR$4,490$4,940
5 BR$5,164Not available
6 BR$5,938Not available
7 BR$6,829Not available
8 BR$7,853Not available

Purchase Price Calculator

Maximum purchase price
$468,584

Cost breakdown

+Likely effective rent$3,570
HUD FMR$3,330
Market rent$3,700
Est. payment standard (107%)Used$3,570
-Principal and interest-$2,369
Loan amount$374,867
Down payment$93,717
Rate6.50%
Term30 years
-Operating costs-$1,001
Property taxes-$469
Insurance-$175
Utilities$0
HOA$0
Management-$357
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,660(60.5% ROI)
Projected value
$504,614
Return breakdown
Property appreciation+$36,030
Loan principal paid down+$13,431
Rental cash flow+$7,200
5-year hold
+$97,526(104.1% ROI)
Projected value
$530,160
Return breakdown
Property appreciation+$61,576
Loan principal paid down+$23,950
Rental cash flow+$12,000
10-year hold
+$212,312(226.5% ROI)
Projected value
$599,827
Return breakdown
Property appreciation+$131,243
Loan principal paid down+$57,069
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.13
1 BR
1.06
2 BR
0.90
3 BR
0.88
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 10532 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10532 (Hawthorne, NY) is $3,330 a month. That is down 10.0% from $3,700 in FY 2026. Hawthorne 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, 10532 is tied for the 40th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10532 is 140% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10532
BedroomsFY 2027Change90–110% range
Studio$2,890−10.0%$2,601–$3,179
1BR$3,010−9.9%$2,709–$3,311
2BR$3,330−10.0%$2,997–$3,663
3BR$4,150−10.0%$3,735–$4,565
4BR$4,490−9.8%$4,041–$4,939

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10532
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,890$3,010$3,330$4,150$4,490
FY 2026$3,210$3,340$3,700$4,610$4,980
FY 2025$3,560$3,710$4,110$5,120$5,530
FY 2024$2,010$2,360$2,870$3,520$3,820
FY 2023$1,660$1,920$2,340$2,900$3,210

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10532
10523$4,460+33.9%
10526$3,490+4.8%
10527$3,690+10.8%
10528$4,160+24.9%
10530$3,570+7.2%
10532Current$3,330—
10533$3,850+15.6%
10535$3,040−8.7%
10536$4,460+33.9%
10537$3,600+8.1%
10538$3,390+1.8%
10540$3,530+6.0%

Questions about ZIP 10532 rents

How much will Section 8 pay for a two-bedroom in ZIP 10532?

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 $3,330 it would be $2,997 to $3,663. 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 10532 in?

ZIP 10532 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 10532 for FY 2027?

The two-bedroom FMR fell 10.0%, from $3,700 in FY 2026 to $3,330 in FY 2027. Since FY 2023 it has risen 42.3%.

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