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Westchester County/White Plains/10610

10610

ZIPFMR
Westchester County, NY
Zillow
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$2,593$2,790
1 BR$2,729$3,000
2 BR$2,971$3,270
3 BR$3,760$4,140
4 BR$4,121$4,530
5 BR$4,739Not available
6 BR$5,450Not available
7 BR$6,268Not available
8 BR$7,208Not available

Purchase Price Calculator

Maximum purchase price
$424,004

Cost breakdown

+Likely effective rent$3,270
HUD FMR$2,971
Market rent$3,860
Est. payment standard (110%)Used$3,270
-Principal and interest-$2,144
Loan amount$339,203
Down payment$84,801
Rate6.50%
Term30 years
-Operating costs-$926
Property taxes-$424
Insurance-$175
Utilities$0
HOA$0
Management-$327
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,955(61.3% ROI)
Projected value
$456,606
Return breakdown
Property appreciation+$32,602
Loan principal paid down+$12,153
Rental cash flow+$7,200
5-year hold
+$89,389(105.4% ROI)
Projected value
$479,722
Return breakdown
Property appreciation+$55,718
Loan principal paid down+$21,672
Rental cash flow+$12,000
10-year hold
+$194,397(229.2% ROI)
Projected value
$542,761
Return breakdown
Property appreciation+$118,757
Loan principal paid down+$51,640
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.82
2 BR
0.77
3 BR
0.73
4 BR
0.49
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 10610 fair market rent, FY 2027

For FY 2027, HUD's Fair Market Rent for a two-bedroom unit in ZIP 10610 (White Plains, NY) is $2,971 a month. That is up 2.1% from $2,910 in FY 2026. White Plains is in the New York, NY HUD Metro FMR Area. The median county two-bedroom FMR in New York is $1,385, so ZIP 10610 is 115% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10610
BedroomsFY 2027Change90–110% range
Studio$2,593+2.5%$2,334–$2,852
1BR$2,729+2.8%$2,456–$3,002
2BR$2,971+2.1%$2,674–$3,268
3BR$3,760+3.2%$3,384–$4,136
4BR$4,121+4.1%$3,709–$4,533

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10610
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,593$2,729$2,971$3,760$4,121
FY 2026$2,529$2,655$2,910$3,644$3,959
FY 2025$2,406$2,511$2,780$3,465$3,738
FY 2024$1,648$1,934$2,352$2,885$3,132
FY 2023$1,436$1,669$2,029$2,515$2,782

Questions about ZIP 10610 rents

How much will Section 8 pay for a two-bedroom in ZIP 10610?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,971, that basic range is $2,674 to $3,268 a month. 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 10610 in?

ZIP 10610 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are not mandatory in this area.

How much did fair market rent change in ZIP 10610 for FY 2027?

The two-bedroom FMR rose 2.1%, from $2,910 in FY 2026 to $2,971 in FY 2027. Since FY 2023 it has risen 46.4%.

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 Fair Market Rents. 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 rentWhite Plains, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources