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Westchester County/Mamaroneck/10543

10543

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

71Below average

095130300
BRFMR
Eff. Rent
0 BR$2,880$2,090
1 BR$3,030$2,450
2 BR$3,300$3,630
3 BR$4,180$4,600
4 BR$4,580$5,040
5 BR$5,267Not available
6 BR$6,057Not available
7 BR$6,966Not available
8 BR$8,010Not available

Purchase Price Calculator

Maximum purchase price
$477,500

Cost breakdown

+Likely effective rent$3,630
HUD FMR$3,300
Market rent$3,850
Est. payment standard (110%)Used$3,630
-Principal and interest-$2,414
Loan amount$382,000
Down payment$95,500
Rate6.50%
Term30 years
-Operating costs-$1,016
Property taxes-$478
Insurance-$175
Utilities$0
HOA$0
Management-$363
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$57,601(60.3% ROI)
Projected value
$514,215
Return breakdown
Property appreciation+$36,715
Loan principal paid down+$13,686
Rental cash flow+$7,200
5-year hold
+$99,153(103.8% ROI)
Projected value
$540,247
Return breakdown
Property appreciation+$62,747
Loan principal paid down+$24,406
Rental cash flow+$12,000
10-year hold
+$215,896(226.1% ROI)
Projected value
$611,240
Return breakdown
Property appreciation+$133,740
Loan principal paid down+$58,155
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.38
1 BR
1.24
2 BR
0.86
3 BR
0.69
4 BR
0.50
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10543 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10543 (Mamaroneck, NY) is $3,300 a month. That is up 2.8% from $3,210 in FY 2026. Mamaroneck is in the New York, NY HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,971. Among 86 ZIP codes in Westchester County, 10543 has the 45th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10543 is 138% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10543
BedroomsFY 2027Change90–110% range
Studio$2,880+3.2%$2,592–$3,168
1BR$3,030+3.4%$2,727–$3,333
2BR$3,300+2.8%$2,970–$3,630
3BR$4,180+4.0%$3,762–$4,598
4BR$4,580+4.8%$4,122–$5,038

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10543
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,880$3,030$3,300$4,180$4,580
FY 2026$2,790$2,930$3,210$4,020$4,370
FY 2025$2,730$2,840$3,150$3,930$4,240
FY 2024$1,910$2,240$2,720$3,340$3,620
FY 2023$1,730$2,010$2,440$3,020$3,350

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10543
10536$4,460+35.2%
10537$3,600+9.1%
10538$3,390+2.7%
10540$3,530+7.0%
10541$3,030−8.2%
10543Current$3,300—
10545$3,330+0.9%
10546$3,670+11.2%
10547$3,540+7.3%
10548$3,160−4.2%
10549$2,750−16.7%
10550$2,860−13.3%

Questions about ZIP 10543 rents

How much will Section 8 pay for a two-bedroom in ZIP 10543?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,971, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,674 to $3,268 a month; under the ZIP-level Small Area FMR of $3,300 it would be $2,970 to $3,630. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 10543 in?

ZIP 10543 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,971.

How much did fair market rent change in ZIP 10543 for FY 2027?

The two-bedroom FMR rose 2.8%, from $3,210 in FY 2026 to $3,300 in FY 2027. Since FY 2023 it has risen 35.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentMamaroneck, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources