10601
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,920$2,250
1 BR$3,070$2,510
2 BR$3,360$3,260
3 BR$4,210$4,360
4 BR$4,570$3,060
5 BR$5,256
6 BR$6,044
7 BR$6,950
8 BR$7,993

Purchase Price Calculator

Maximum purchase price
$422,518

Cost breakdown

+Likely effective rent$3,260
HUD FMR$3,360
Market rentUsed$3,260
Est. payment standard (98%)$3,300
Market rent is below the inferred standard ($3,300, 98% of FMR).
-Principal and interest-$2,136
Loan amount$338,015
Down payment$84,504
Rate6.50%
Term30 years
-Operating costs-$924
Property taxes-$423
Insurance-$175
Utilities$0
HOA$0
Management-$326
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,798(61.3% ROI)
Projected value
$455,006
Current value$422,518
Return breakdown
Property appreciation+$32,488
Loan principal paid down+$12,110
Rental cash flow+$7,200
5-year hold
+$89,118(105.5% ROI)
Projected value
$478,041
Current value$422,518
Return breakdown
Property appreciation+$55,522
Loan principal paid down+$21,596
Rental cash flow+$12,000
10-year hold
+$193,800(229.3% ROI)
Projected value
$540,859
Current value$422,518
Return breakdown
Property appreciation+$118,341
Loan principal paid down+$51,459
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
1.30ratio
FMR$2,920
Market$2,250
vs market+$670

FMR is above market; underwrite to market rent.

90% standard$2,628 / 1.17 ratio110% standard$3,212 / 1.43 ratio
1.30
1 BR
1 BR
1.22ratio
FMR$3,070
Market$2,510
vs market+$560

FMR is above market; underwrite to market rent.

90% standard$2,763 / 1.10 ratio110% standard$3,377 / 1.35 ratio
1.22
2 BR
2 BR
1.03ratio
FMR$3,360
Market$3,260
vs market+$100

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

90% standard$3,024 / 0.93 ratio110% standard$3,696 / 1.13 ratio
1.03
3 BR
3 BR
0.95ratio
FMR$4,210
Market$4,440
vs market-$230

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

90% standard$3,789 / 0.85 ratio110% standard$4,631 / 1.04 ratio
0.95
4 BR
4 BR
1.49ratio
FMR$4,570
Market$3,060
vs market+$1,510

FMR is above market; underwrite to market rent.

90% standard$4,113 / 1.34 ratio110% standard$5,027 / 1.64 ratio
1.49
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 10601 (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.

10601 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10601 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,360 and the 4 bedroom fair market rent is $4,570.

Use this page for searches like 10601 FMR, 10601 fair market rent, and 10601 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 10601
Bedroom sizeHUD FMR
Studio$2,920
1 bedroom$3,070
2 bedroom$3,360
3 bedroom$4,210
4 bedroom$4,570