10537
ZIPSAFMR
Putnam County, NY
BRFMR
Eff. Rent
0 BR$3,050$1,930
1 BR$3,200$2,310
2 BR$3,510$3,270
3 BR$4,400$4,010
4 BR$4,780$4,900
5 BR$5,497
6 BR$6,322
7 BR$7,270
8 BR$8,360

Purchase Price Calculator

Maximum purchase price
$424,004

Cost breakdown

+Likely effective rent$3,270
HUD FMR$3,510
Market rentUsed$3,270
Est. payment standard (96%)$3,350
Market rent is below the inferred standard ($3,350, 96% of FMR).
-Principal and interest-$2,144
Loan amount$339,203
Down payment$84,801
Rate6.50%
Term30 years
-Operating costs-$926
Property taxes-$424
Insurance-$175
Utilities$0
HOA$0
Management-$327
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,955(61.3% ROI)
Projected value
$456,606
Current value$424,004
Return breakdown
Property appreciation+$32,602
Loan principal paid down+$12,153
Rental cash flow+$7,200
5-year hold
+$89,389(105.4% ROI)
Projected value
$479,722
Current value$424,004
Return breakdown
Property appreciation+$55,718
Loan principal paid down+$21,672
Rental cash flow+$12,000
10-year hold
+$194,397(229.2% ROI)
Projected value
$542,761
Current value$424,004
Return breakdown
Property appreciation+$118,757
Loan principal paid down+$51,640
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
1.58ratio
FMR$3,050
Market$1,930
vs market+$1,120

FMR is above market; underwrite to market rent.

1.58
1 BR
1 BR
1.39ratio
FMR$3,200
Market$2,310
vs market+$890

FMR is above market; underwrite to market rent.

90% standard$2,880 / 1.25 ratio110% standard$3,520 / 1.52 ratio
1.39
2 BR
2 BR
1.07ratio
FMR$3,510
Market$3,270
vs market+$240

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

90% standard$3,159 / 0.97 ratio110% standard$3,861 / 1.18 ratio
1.07
3 BR
3 BR
1.10ratio
FMR$4,400
Market$4,010
vs market+$390

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

90% standard$3,960 / 0.99 ratio110% standard$4,840 / 1.21 ratio
1.10
4 BR
4 BR
0.96ratio
FMR$4,780
Market$4,970
vs market-$190

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

90% standard$4,302 / 0.87 ratio110% standard$5,258 / 1.06 ratio
0.96
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 10537 (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.

10537 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10537 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,510 and the 4 bedroom fair market rent is $4,780.

Use this page for searches like 10537 FMR, 10537 fair market rent, and 10537 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 10537
Bedroom sizeHUD FMR
Studio$3,050
1 bedroom$3,200
2 bedroom$3,510
3 bedroom$4,400
4 bedroom$4,780