10801
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,550$2,260
1 BR$2,680$2,750
2 BR$2,940$3,230
3 BR$3,680$4,050
4 BR$4,000$4,330
5 BR$4,600
6 BR$5,290
7 BR$6,083
8 BR$6,996

Purchase Price Calculator

Maximum purchase price
$418,060

Cost breakdown

+Likely effective rent$3,230
HUD FMR$2,940
Market rent$4,090
Est. payment standard (110%)Used$3,230
Estimated payment standard is $3,230 (110% of FMR).
-Principal and interest-$2,114
Loan amount$334,448
Down payment$83,612
Rate6.50%
Term30 years
-Operating costs-$916
Property taxes-$418
Insurance-$175
Utilities$0
HOA$0
Management-$323
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,327(61.4% ROI)
Projected value
$450,205
Current value$418,060
Return breakdown
Property appreciation+$32,145
Loan principal paid down+$11,982
Rental cash flow+$7,200
5-year hold
+$88,305(105.6% ROI)
Projected value
$472,997
Current value$418,060
Return breakdown
Property appreciation+$54,937
Loan principal paid down+$21,368
Rental cash flow+$12,000
10-year hold
+$192,008(229.6% ROI)
Projected value
$535,152
Current value$418,060
Return breakdown
Property appreciation+$117,092
Loan principal paid down+$50,916
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
1.13ratio
FMR$2,550
Market$2,260
vs market+$290

FMR is above market; underwrite to market rent.

90% standard$2,295 / 1.02 ratio110% standard$2,805 / 1.24 ratio
1.13
1 BR
1 BR
0.96ratio
FMR$2,680
Market$2,780
vs market-$100

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

90% standard$2,412 / 0.87 ratio110% standard$2,948 / 1.06 ratio
0.96
2 BR
2 BR
0.72ratio
FMR$2,940
Market$4,090
vs market-$1,150

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

90% standard$2,646 / 0.65 ratio110% standard$3,234 / 0.79 ratio
0.72
3 BR
3 BR
0.85ratio
FMR$3,680
Market$4,340
vs market-$660

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

90% standard$3,312 / 0.76 ratio110% standard$4,048 / 0.93 ratio
0.85
4 BR
4 BR
0.89ratio
FMR$4,000
Market$4,500
vs market-$500

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

90% standard$3,600 / 0.80 ratio110% standard$4,400 / 0.98 ratio
0.89
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 10801 (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.

10801 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10801 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,940 and the 4 bedroom fair market rent is $4,000.

Use this page for searches like 10801 FMR, 10801 fair market rent, and 10801 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 10801
Bedroom sizeHUD FMR
Studio$2,550
1 bedroom$2,680
2 bedroom$2,940
3 bedroom$3,680
4 bedroom$4,000