10706
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,740$2,120
1 BR$2,870$2,660
2 BR$3,150$3,440
3 BR$3,940$4,330
4 BR$4,290$4,720
5 BR$4,934
6 BR$5,674
7 BR$6,525
8 BR$7,503

Purchase Price Calculator

Maximum purchase price
$449,266

Cost breakdown

+Likely effective rent$3,440
HUD FMR$3,150
Market rent$3,590
Est. payment standard (109%)Used$3,440
Estimated payment standard is $3,440 (109% of FMR).
-Principal and interest-$2,272
Loan amount$359,413
Down payment$89,853
Rate6.50%
Term30 years
-Operating costs-$968
Property taxes-$449
Insurance-$175
Utilities$0
HOA$0
Management-$344
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$54,621(60.8% ROI)
Projected value
$483,810
Current value$449,266
Return breakdown
Property appreciation+$34,544
Loan principal paid down+$12,877
Rental cash flow+$7,200
5-year hold
+$94,000(104.6% ROI)
Projected value
$508,303
Current value$449,266
Return breakdown
Property appreciation+$59,037
Loan principal paid down+$22,963
Rental cash flow+$12,000
10-year hold
+$204,549(227.6% ROI)
Projected value
$575,099
Current value$449,266
Return breakdown
Property appreciation+$125,832
Loan principal paid down+$54,717
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
1.29ratio
FMR$2,740
Market$2,120
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,466 / 1.16 ratio110% standard$3,014 / 1.42 ratio
1.29
1 BR
1 BR
1.08ratio
FMR$2,870
Market$2,660
vs market+$210

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

90% standard$2,583 / 0.97 ratio110% standard$3,157 / 1.19 ratio
1.08
2 BR
2 BR
0.88ratio
FMR$3,150
Market$3,590
vs market-$440

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

90% standard$2,835 / 0.79 ratio110% standard$3,465 / 0.97 ratio
0.88
3 BR
3 BR
0.79ratio
FMR$3,940
Market$4,980
vs market-$1,040

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

90% standard$3,546 / 0.71 ratio110% standard$4,334 / 0.87 ratio
0.79
4 BR
4 BR
0.68ratio
FMR$4,290
Market$6,280
vs market-$1,990

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

90% standard$3,861 / 0.61 ratio110% standard$4,719 / 0.75 ratio
0.68
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 10706 (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.

10706 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10706 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,150 and the 4 bedroom fair market rent is $4,290.

Use this page for searches like 10706 FMR, 10706 fair market rent, and 10706 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 10706
Bedroom sizeHUD FMR
Studio$2,740
1 bedroom$2,870
2 bedroom$3,150
3 bedroom$3,940
4 bedroom$4,290