10703
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,290$1,950
1 BR$2,400$2,290
2 BR$2,630$2,740
3 BR$3,290$3,620
4 BR$3,580$3,940
5 BR$4,117
6 BR$4,735
7 BR$5,445
8 BR$6,261

Purchase Price Calculator

Maximum purchase price
$345,246

Cost breakdown

+Likely effective rent$2,740
HUD FMR$2,630
Market rent$2,800
Est. payment standard (104%)Used$2,740
Estimated payment standard is $2,740 (104% of FMR).
-Principal and interest-$1,746
Loan amount$276,197
Down payment$69,049
Rate6.50%
Term30 years
-Operating costs-$794
Property taxes-$345
Insurance-$175
Utilities$0
HOA$0
Management-$274
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,642(63.2% ROI)
Projected value
$371,793
Current value$345,246
Return breakdown
Property appreciation+$26,546
Loan principal paid down+$9,895
Rental cash flow+$7,200
5-year hold
+$75,015(108.6% ROI)
Projected value
$390,615
Current value$345,246
Return breakdown
Property appreciation+$45,368
Loan principal paid down+$17,646
Rental cash flow+$12,000
10-year hold
+$162,746(235.7% ROI)
Projected value
$441,945
Current value$345,246
Return breakdown
Property appreciation+$96,698
Loan principal paid down+$42,048
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
1.17ratio
FMR$2,290
Market$1,950
vs market+$340

FMR is above market; underwrite to market rent.

90% standard$2,061 / 1.06 ratio110% standard$2,519 / 1.29 ratio
1.17
1 BR
1 BR
1.05ratio
FMR$2,400
Market$2,290
vs market+$110

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

90% standard$2,160 / 0.94 ratio110% standard$2,640 / 1.15 ratio
1.05
2 BR
2 BR
0.94ratio
FMR$2,630
Market$2,800
vs market-$170

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

90% standard$2,367 / 0.85 ratio110% standard$2,893 / 1.03 ratio
0.94
3 BR
3 BR
0.84ratio
FMR$3,290
Market$3,910
vs market-$620

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

90% standard$2,961 / 0.76 ratio110% standard$3,619 / 0.93 ratio
0.84
4 BR
4 BR
0.83ratio
FMR$3,580
Market$4,290
vs market-$710

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

90% standard$3,222 / 0.75 ratio110% standard$3,938 / 0.92 ratio
0.83
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 10703 (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.

10703 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10703 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,630 and the 4 bedroom fair market rent is $3,580.

Use this page for searches like 10703 FMR, 10703 fair market rent, and 10703 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 10703
Bedroom sizeHUD FMR
Studio$2,290
1 bedroom$2,400
2 bedroom$2,630
3 bedroom$3,290
4 bedroom$3,580