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$4,880
5 BR$5,612
6 BR$6,454
7 BR$7,422
8 BR$8,535

Market Alignment

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

Studio
Studio
1.41ratio
FMR$3,120
Market$2,220
vs market+$900

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

1.41
1 BR
1 BR
1.22ratio
FMR$3,270
Market$2,670
vs market+$600

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

1.22
2 BR
2 BR
1.05ratio
FMR$3,590
Market$3,430
vs market+$160

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

1.05
3 BR
3 BR
1.06ratio
FMR$4,490
Market$4,230
vs market+$260

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

1.06
4 BR
4 BR
0.93ratio
FMR$4,880
Market$5,230
vs market-$350

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

0.93
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$471,556
Rent
$3,590
Down payment
$94,311
Loan
$377,245
Mortgage
$2,384
Expenses
$1,006
Market inputs
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.