10578
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$3,430$2,210
1 BR$3,600$2,520
2 BR$3,950$3,660
3 BR$4,940$4,860
4 BR$5,370$5,440
5 BR$6,175
6 BR$7,102
7 BR$8,167
8 BR$9,392

Purchase Price Calculator

Maximum purchase price
$481,958

Cost breakdown

+Likely effective rent$3,660
HUD FMR$3,950
Market rentUsed$3,660
Est. payment standard (95%)$3,760
Market rent is below the inferred standard ($3,760, 95% of FMR).
-Principal and interest-$2,437
Loan amount$385,566
Down payment$96,392
Rate6.50%
Term30 years
-Operating costs-$1,023
Property taxes-$482
Insurance-$175
Utilities$0
HOA$0
Management-$366
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$58,072(60.2% ROI)
Projected value
$519,016
Current value$481,958
Return breakdown
Property appreciation+$37,058
Loan principal paid down+$13,814
Rental cash flow+$7,200
5-year hold
+$99,967(103.7% ROI)
Projected value
$545,291
Current value$481,958
Return breakdown
Property appreciation+$63,333
Loan principal paid down+$24,634
Rental cash flow+$12,000
10-year hold
+$217,687(225.8% ROI)
Projected value
$616,947
Current value$481,958
Return breakdown
Property appreciation+$134,989
Loan principal paid down+$58,698
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
1.55ratio
FMR$3,430
Market$2,210
vs market+$1,220

FMR is above market; underwrite to market rent.

90% standard$3,087 / 1.40 ratio110% standard$3,773 / 1.71 ratio
1.55
1 BR
1 BR
1.43ratio
FMR$3,600
Market$2,520
vs market+$1,080

FMR is above market; underwrite to market rent.

90% standard$3,240 / 1.29 ratio110% standard$3,960 / 1.57 ratio
1.43
2 BR
2 BR
1.08ratio
FMR$3,950
Market$3,660
vs market+$290

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

90% standard$3,555 / 0.97 ratio110% standard$4,345 / 1.19 ratio
1.08
3 BR
3 BR
1.02ratio
FMR$4,940
Market$4,860
vs market+$80

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

90% standard$4,446 / 0.91 ratio110% standard$5,434 / 1.12 ratio
1.02
4 BR
4 BR
0.98ratio
FMR$5,370
Market$5,480
vs market-$110

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

90% standard$4,833 / 0.88 ratio110% standard$5,907 / 1.08 ratio
0.98
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 10578 (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.

10578 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10578 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,950 and the 4 bedroom fair market rent is $5,370.

Use this page for searches like 10578 FMR, 10578 fair market rent, and 10578 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 10578
Bedroom sizeHUD FMR
Studio$3,430
1 bedroom$3,600
2 bedroom$3,950
3 bedroom$4,940
4 bedroom$5,370