10540
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$3,120$2,220
1 BR$3,270$2,670
2 BR$3,590$3,430
3 BR$4,490$4,230
4 BR$4,880$5,110
5 BR$5,612
6 BR$6,454
7 BR$7,422
8 BR$8,535

Purchase Price Calculator

Maximum purchase price
$447,780

Cost breakdown

+Likely effective rent$3,430
HUD FMR$3,590
Market rentUsed$3,430
Est. payment standard (97%)$3,490
Market rent is below the inferred standard ($3,490, 97% of FMR).
-Principal and interest-$2,264
Loan amount$358,224
Down payment$89,556
Rate6.50%
Term30 years
-Operating costs-$966
Property taxes-$448
Insurance-$175
Utilities$0
HOA$0
Management-$343
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$54,464(60.8% ROI)
Projected value
$482,210
Current value$447,780
Return breakdown
Property appreciation+$34,430
Loan principal paid down+$12,834
Rental cash flow+$7,200
5-year hold
+$93,729(104.7% ROI)
Projected value
$506,622
Current value$447,780
Return breakdown
Property appreciation+$58,842
Loan principal paid down+$22,887
Rental cash flow+$12,000
10-year hold
+$203,952(227.7% ROI)
Projected value
$573,196
Current value$447,780
Return breakdown
Property appreciation+$125,416
Loan principal paid down+$54,536
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
1.41ratio
FMR$3,120
Market$2,220
vs market+$900

FMR is above market; underwrite to market rent.

90% standard$2,808 / 1.26 ratio110% standard$3,432 / 1.55 ratio
1.41
1 BR
1 BR
1.22ratio
FMR$3,270
Market$2,670
vs market+$600

FMR is above market; underwrite to market rent.

90% standard$2,943 / 1.10 ratio110% standard$3,597 / 1.35 ratio
1.22
2 BR
2 BR
1.05ratio
FMR$3,590
Market$3,430
vs market+$160

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

90% standard$3,231 / 0.94 ratio110% standard$3,949 / 1.15 ratio
1.05
3 BR
3 BR
1.06ratio
FMR$4,490
Market$4,230
vs market+$260

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

90% standard$4,041 / 0.96 ratio110% standard$4,939 / 1.17 ratio
1.06
4 BR
4 BR
0.93ratio
FMR$4,880
Market$5,230
vs market-$350

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

90% standard$4,392 / 0.84 ratio110% standard$5,368 / 1.03 ratio
0.93
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 10540 (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.

10540 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10540 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,590 and the 4 bedroom fair market rent is $4,880.

Use this page for searches like 10540 FMR, 10540 fair market rent, and 10540 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 10540
Bedroom sizeHUD FMR
Studio$3,120
1 bedroom$3,270
2 bedroom$3,590
3 bedroom$4,490
4 bedroom$4,880