10538
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,850$2,110
1 BR$2,990$2,290
2 BR$3,280$3,240
3 BR$4,110$4,110
4 BR$4,460$4,460
5 BR$5,129
6 BR$5,898
7 BR$6,783
8 BR$7,801

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.35ratio
FMR$2,850
Market$2,110
vs market+$740

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.35
1 BR
1 BR
1.31ratio
FMR$2,990
Market$2,290
vs market+$700

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.31
2 BR
2 BR
1.01ratio
FMR$3,280
Market$3,240
vs market+$40

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.01
3 BR
3 BR
0.62ratio
FMR$4,110
Market$6,670
vs market-$2,560

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.62
4 BR
4 BR
0.45ratio
FMR$4,460
Market$9,980
vs market-$5,520

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.45
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$425,490
Rent
$3,280
Down payment
$85,098
Loan
$340,392
Mortgage
$2,152
Expenses
$928
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 10538 (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.