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Westchester County/New Rochelle/10801

10801

ZIPSAFMR
Westchester County, NY
Zillow

ZIP Investment Score

78Below average

095130300
BRFMR
Eff. Rent
0 BR$2,650$2,260
1 BR$2,790$2,780
2 BR$3,040$3,340
3 BR$3,850$4,170
4 BR$4,220$4,400
5 BR$4,853Not available
6 BR$5,581Not available
7 BR$6,418Not available
8 BR$7,381Not available

Purchase Price Calculator

Maximum purchase price
$434,406

Cost breakdown

+Likely effective rent$3,340
HUD FMR$3,040
Market rent$4,090
Est. payment standard (110%)Used$3,340
-Principal and interest-$2,197
Loan amount$347,525
Down payment$86,881
Rate6.50%
Term30 years
-Operating costs-$943
Property taxes-$434
Insurance-$175
Utilities$0
HOA$0
Management-$334
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$53,053(61.1% ROI)
Projected value
$467,808
Return breakdown
Property appreciation+$33,402
Loan principal paid down+$12,451
Rental cash flow+$7,200
5-year hold
+$91,288(105.1% ROI)
Projected value
$491,491
Return breakdown
Property appreciation+$57,085
Loan principal paid down+$22,203
Rental cash flow+$12,000
10-year hold
+$198,577(228.6% ROI)
Projected value
$556,077
Return breakdown
Property appreciation+$121,670
Loan principal paid down+$52,907
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.17
1 BR
1.00
2 BR
0.74
3 BR
0.89
4 BR
0.94
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10801 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10801 (New Rochelle, NY) is $3,040 a month. That is up 3.4% from $2,940 in FY 2026. New Rochelle is in the New York, NY HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,971. Among 86 ZIP codes in Westchester County, 10801 is tied for the 57th-highest two-bedroom rent (county range $2,620–$4,460). The median county two-bedroom FMR in New York is $1,385, so ZIP 10801 is 119% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10801
BedroomsFY 2027Change90–110% range
Studio$2,650+3.9%$2,385–$2,915
1BR$2,790+4.1%$2,511–$3,069
2BR$3,040+3.4%$2,736–$3,344
3BR$3,850+4.6%$3,465–$4,235
4BR$4,220+5.5%$3,798–$4,642

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10801
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,650$2,790$3,040$3,850$4,220
FY 2026$2,550$2,680$2,940$3,680$4,000
FY 2025$2,400$2,500$2,770$3,450$3,720
FY 2024$1,610$1,890$2,300$2,820$3,060
FY 2023$1,400$1,630$1,980$2,450$2,720

Two-bedroom rent in nearby Westchester County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10801
10704$2,930−3.6%
10705$2,920−3.9%
10706$3,050+0.3%
10707$3,480+14.5%
10708$3,310+8.9%
10709$3,130+3.0%
10710$2,880−5.3%
10801Current$3,040—
10802$3,020−0.7%
10803$3,540+16.4%
10804$3,580+17.8%
10805$3,100+2.0%

Questions about ZIP 10801 rents

How much will Section 8 pay for a two-bedroom in ZIP 10801?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,971, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,674 to $3,268 a month; under the ZIP-level Small Area FMR of $3,040 it would be $2,736 to $3,344. 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 10801 in?

ZIP 10801 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,971.

How much did fair market rent change in ZIP 10801 for FY 2027?

The two-bedroom FMR rose 3.4%, from $2,940 in FY 2026 to $3,040 in FY 2027. Since FY 2023 it has risen 53.5%.

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 Small Area Fair Market Rents and area FMRs. 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 rentNew Rochelle, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources