10805
ZIPSAFMR
Westchester County, NY
BRFMR
Eff. Rent
0 BR$2,590$2,200
1 BR$2,720$2,550
2 BR$2,980$3,280
3 BR$3,730$4,100
4 BR$4,050$4,390
5 BR$4,658
6 BR$5,356
7 BR$6,160
8 BR$7,083

Purchase Price Calculator

Maximum purchase price
$425,490

Cost breakdown

+Likely effective rent$3,280
HUD FMR$2,980
Market rent$4,090
Est. payment standard (110%)Used$3,280
Estimated payment standard is $3,280 (110% of FMR).
-Principal and interest-$2,152
Loan amount$340,392
Down payment$85,098
Rate6.50%
Term30 years
-Operating costs-$928
Property taxes-$425
Insurance-$175
Utilities$0
HOA$0
Management-$328
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$52,112(61.2% ROI)
Projected value
$458,206
Current value$425,490
Return breakdown
Property appreciation+$32,716
Loan principal paid down+$12,195
Rental cash flow+$7,200
5-year hold
+$89,661(105.4% ROI)
Projected value
$481,403
Current value$425,490
Return breakdown
Property appreciation+$55,913
Loan principal paid down+$21,748
Rental cash flow+$12,000
10-year hold
+$194,994(229.1% ROI)
Projected value
$544,663
Current value$425,490
Return breakdown
Property appreciation+$119,173
Loan principal paid down+$51,821
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
1.18ratio
FMR$2,590
Market$2,200
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,331 / 1.06 ratio110% standard$2,849 / 1.30 ratio
1.18
1 BR
1 BR
1.07ratio
FMR$2,720
Market$2,550
vs market+$170

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

90% standard$2,448 / 0.96 ratio110% standard$2,992 / 1.17 ratio
1.07
2 BR
2 BR
0.73ratio
FMR$2,980
Market$4,090
vs market-$1,110

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

90% standard$2,682 / 0.66 ratio110% standard$3,278 / 0.80 ratio
0.73
3 BR
3 BR
0.85ratio
FMR$3,730
Market$4,400
vs market-$670

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

90% standard$3,357 / 0.76 ratio110% standard$4,103 / 0.93 ratio
0.85
4 BR
4 BR
0.88ratio
FMR$4,050
Market$4,580
vs market-$530

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

90% standard$3,645 / 0.80 ratio110% standard$4,455 / 0.97 ratio
0.88
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 10805 (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.

10805 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10805 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,980 and the 4 bedroom fair market rent is $4,050.

Use this page for searches like 10805 FMR, 10805 fair market rent, and 10805 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 10805
Bedroom sizeHUD FMR
Studio$2,590
1 bedroom$2,720
2 bedroom$2,980
3 bedroom$3,730
4 bedroom$4,050