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Westchester County/Pound Ridge/10576

10576

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

80Below average

095130300
BRFMR
Eff. Rent
0 BR$3,420$2,710
1 BR$3,660$2,930
2 BR$4,010$4,350
3 BR$5,040$5,540
4 BR$5,600$6,160
5 BR$6,440Not available
6 BR$7,406Not available
7 BR$8,517Not available
8 BR$9,794Not available

Purchase Price Calculator

Maximum purchase price
$584,492

Cost breakdown

+Likely effective rent$4,350
HUD FMR$4,010
Market rent$4,530
Est. payment standard (108%)Used$4,350
-Principal and interest-$2,956
Loan amount$467,593
Down payment$116,898
Rate6.50%
Term30 years
-Operating costs-$1,194
Property taxes-$584
Insurance-$175
Utilities$0
HOA$0
Management-$435
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$68,895(58.9% ROI)
Projected value
$629,434
Return breakdown
Property appreciation+$44,942
Loan principal paid down+$16,753
Rental cash flow+$7,200
5-year hold
+$118,682(101.5% ROI)
Projected value
$661,299
Return breakdown
Property appreciation+$76,807
Loan principal paid down+$29,875
Rental cash flow+$12,000
10-year hold
+$258,893(221.5% ROI)
Projected value
$748,199
Return breakdown
Property appreciation+$163,707
Loan principal paid down+$71,186
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.26
1 BR
1.25
2 BR
0.89
3 BR
0.84
4 BR
0.74
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10576 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10576 (Pound Ridge, NY) is $4,010 a month. That is up 0.3% from $4,000 in FY 2026. Pound Ridge 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, 10576 has the 7th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10576 is 190% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10576
BedroomsFY 2027Change90–110% range
Studio$3,420+0.6%$3,078–$3,762
1BR$3,660+1.1%$3,294–$4,026
2BR$4,010+0.3%$3,609–$4,411
3BR$5,040+1.0%$4,536–$5,544
4BR$5,600+2.4%$5,040–$6,160

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10576
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$3,420$3,660$4,010$5,040$5,600
FY 2026$3,400$3,620$4,000$4,990$5,470
FY 2025$3,270$3,470$3,870$4,810$5,210
FY 2024$2,360$2,800$3,400$4,170$4,530
FY 2023$2,080$2,450$2,980$3,680$4,060

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10576
10566$3,050−23.9%
10567$3,110−22.4%
10570$3,030−24.4%
10573$3,200−20.2%
10576Current$4,010—
10577$3,370−16.0%
10578$3,560−11.2%
10580$4,390+9.5%
10583$3,860−3.7%
10587$3,020−24.7%
10588$2,620−34.7%
10589$3,940−1.7%

Questions about ZIP 10576 rents

How much will Section 8 pay for a two-bedroom in ZIP 10576?

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 $4,010 it would be $3,609 to $4,411. 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 10576 in?

ZIP 10576 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 10576 for FY 2027?

The two-bedroom FMR rose 0.3%, from $4,000 in FY 2026 to $4,010 in FY 2027. Since FY 2023 it has risen 34.6%.

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 rentPound Ridge, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources