10549
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,480$2,590
1 BR$2,600$2,860
2 BR$2,850$3,140
3 BR$3,570$3,930
4 BR$3,880$4,270
5 BR$4,462
6 BR$5,131
7 BR$5,901
8 BR$6,786

Purchase Price Calculator

Maximum purchase price
$404,686

Cost breakdown

+Likely effective rent$3,140
HUD FMR$2,850
Market rent$4,240
Est. payment standard (110%)Used$3,140
Estimated payment standard is $3,140 (110% of FMR).
-Principal and interest-$2,046
Loan amount$323,749
Down payment$80,937
Rate6.50%
Term30 years
-Operating costs-$894
Property taxes-$405
Insurance-$175
Utilities$0
HOA$0
Management-$314
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,916(61.7% ROI)
Projected value
$435,803
Current value$404,686
Return breakdown
Property appreciation+$31,117
Loan principal paid down+$11,599
Rental cash flow+$7,200
5-year hold
+$85,863(106.1% ROI)
Projected value
$457,865
Current value$404,686
Return breakdown
Property appreciation+$53,179
Loan principal paid down+$20,684
Rental cash flow+$12,000
10-year hold
+$186,633(230.6% ROI)
Projected value
$518,033
Current value$404,686
Return breakdown
Property appreciation+$113,346
Loan principal paid down+$49,287
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.94ratio
FMR$2,480
Market$2,650
vs market-$170

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

90% standard$2,232 / 0.84 ratio110% standard$2,728 / 1.03 ratio
0.94
1 BR
1 BR
0.84ratio
FMR$2,600
Market$3,110
vs market-$510

FMR is below market; voucher rent may lag private rents.

90% standard$2,340 / 0.75 ratio110% standard$2,860 / 0.92 ratio
0.84
2 BR
2 BR
0.67ratio
FMR$2,850
Market$4,240
vs market-$1,390

FMR is below market; voucher rent may lag private rents.

90% standard$2,565 / 0.60 ratio110% standard$3,135 / 0.74 ratio
0.67
3 BR
3 BR
0.61ratio
FMR$3,570
Market$5,880
vs market-$2,310

FMR is below market; voucher rent may lag private rents.

90% standard$3,213 / 0.55 ratio110% standard$3,927 / 0.67 ratio
0.61
4 BR
4 BR
0.47ratio
FMR$3,880
Market$8,260
vs market-$4,380

FMR is below market; voucher rent may lag private rents.

0.47
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller 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 10549 (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.

10549 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10549 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,850 and the 4 bedroom fair market rent is $3,880.

Use this page for searches like 10549 FMR, 10549 fair market rent, and 10549 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 10549
Bedroom sizeHUD FMR
Studio$2,480
1 bedroom$2,600
2 bedroom$2,850
3 bedroom$3,570
4 bedroom$3,880