10533
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$3,080$2,260
1 BR$3,240$2,900
2 BR$3,550$3,420
3 BR$4,450$4,900
4 BR$4,830$5,310
5 BR$5,555
6 BR$6,388
7 BR$7,346
8 BR$8,448

Purchase Price Calculator

Maximum purchase price
$446,294

Cost breakdown

+Likely effective rent$3,420
HUD FMR$3,550
Market rentUsed$3,420
Est. payment standard (98%)$3,470
Market rent is below the inferred standard ($3,470, 98% of FMR).
-Principal and interest-$2,257
Loan amount$357,035
Down payment$89,259
Rate6.50%
Term30 years
-Operating costs-$963
Property taxes-$446
Insurance-$175
Utilities$0
HOA$0
Management-$342
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$54,308(60.8% ROI)
Projected value
$480,610
Current value$446,294
Return breakdown
Property appreciation+$34,316
Loan principal paid down+$12,792
Rental cash flow+$7,200
5-year hold
+$93,458(104.7% ROI)
Projected value
$504,941
Current value$446,294
Return breakdown
Property appreciation+$58,647
Loan principal paid down+$22,811
Rental cash flow+$12,000
10-year hold
+$203,355(227.8% ROI)
Projected value
$571,294
Current value$446,294
Return breakdown
Property appreciation+$125,000
Loan principal paid down+$54,355
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
1.36ratio
FMR$3,080
Market$2,260
vs market+$820

FMR is above market; underwrite to market rent.

90% standard$2,772 / 1.23 ratio110% standard$3,388 / 1.50 ratio
1.36
1 BR
1 BR
1.12ratio
FMR$3,240
Market$2,900
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,916 / 1.01 ratio110% standard$3,564 / 1.23 ratio
1.12
2 BR
2 BR
1.04ratio
FMR$3,550
Market$3,420
vs market+$130

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

90% standard$3,195 / 0.93 ratio110% standard$3,905 / 1.14 ratio
1.04
3 BR
3 BR
0.82ratio
FMR$4,450
Market$5,460
vs market-$1,010

FMR is below market; voucher rent may lag private rents.

90% standard$4,005 / 0.73 ratio110% standard$4,895 / 0.90 ratio
0.82
4 BR
4 BR
0.55ratio
FMR$4,830
Market$8,790
vs market-$3,960

FMR is below market; voucher rent may lag private rents.

90% standard$4,347 / 0.49 ratio110% standard$5,313 / 0.60 ratio
0.55
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 10533 (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.

10533 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10533 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,550 and the 4 bedroom fair market rent is $4,830.

Use this page for searches like 10533 FMR, 10533 fair market rent, and 10533 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 10533
Bedroom sizeHUD FMR
Studio$3,080
1 bedroom$3,240
2 bedroom$3,550
3 bedroom$4,450
4 bedroom$4,830