10606
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$3,280$2,380
1 BR$3,440$2,660
2 BR$3,770$3,780
3 BR$4,720$5,070
4 BR$5,130$5,640
5 BR$5,899
6 BR$6,784
7 BR$7,802
8 BR$8,972

Purchase Price Calculator

Maximum purchase price
$499,790

Cost breakdown

+Likely effective rent$3,780
HUD FMR$3,770
Market rent$3,790
Est. payment standard (100%)Used$3,780
Estimated payment standard is $3,780 (100% of FMR).
-Principal and interest-$2,527
Loan amount$399,832
Down payment$99,958
Rate6.50%
Term30 years
-Operating costs-$1,053
Property taxes-$500
Insurance-$175
Utilities$0
HOA$0
Management-$378
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$59,954(60.0% ROI)
Projected value
$538,219
Current value$499,790
Return breakdown
Property appreciation+$38,429
Loan principal paid down+$14,325
Rental cash flow+$7,200
5-year hold
+$103,222(103.3% ROI)
Projected value
$565,466
Current value$499,790
Return breakdown
Property appreciation+$65,677
Loan principal paid down+$25,545
Rental cash flow+$12,000
10-year hold
+$224,853(224.9% ROI)
Projected value
$639,773
Current value$499,790
Return breakdown
Property appreciation+$139,983
Loan principal paid down+$60,870
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
1.38ratio
FMR$3,280
Market$2,380
vs market+$900

FMR is above market; underwrite to market rent.

90% standard$2,952 / 1.24 ratio110% standard$3,608 / 1.52 ratio
1.38
1 BR
1 BR
1.29ratio
FMR$3,440
Market$2,660
vs market+$780

FMR is above market; underwrite to market rent.

90% standard$3,096 / 1.16 ratio110% standard$3,784 / 1.42 ratio
1.29
2 BR
2 BR
0.99ratio
FMR$3,770
Market$3,790
vs market-$20

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

90% standard$3,393 / 0.90 ratio110% standard$4,147 / 1.09 ratio
0.99
3 BR
3 BR
0.90ratio
FMR$4,720
Market$5,260
vs market-$540

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

90% standard$4,248 / 0.81 ratio110% standard$5,192 / 0.99 ratio
0.90
4 BR
4 BR
0.80ratio
FMR$5,130
Market$6,410
vs market-$1,280

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

90% standard$4,617 / 0.72 ratio110% standard$5,643 / 0.88 ratio
0.80
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 10606 (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.

10606 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10606 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,770 and the 4 bedroom fair market rent is $5,130.

Use this page for searches like 10606 FMR, 10606 fair market rent, and 10606 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 10606
Bedroom sizeHUD FMR
Studio$3,280
1 bedroom$3,440
2 bedroom$3,770
3 bedroom$4,720
4 bedroom$5,130