10915
ZIPSAFMR
Orange County, NY
BRFMR
Eff. Rent
0 BR$1,390$1,530
1 BR$1,580$1,740
2 BR$2,020$2,200
3 BR$2,560$2,680
4 BR$2,750$3,030
5 BR$3,162
6 BR$3,637
7 BR$4,182
8 BR$4,810

Purchase Price Calculator

Maximum purchase price
$265,003

Cost breakdown

+Likely effective rent$2,200
HUD FMR$2,020
Market rent$2,290
Est. payment standard (109%)Used$2,200
Estimated payment standard is $2,200 (109% of FMR).
-Principal and interest-$1,340
Loan amount$212,002
Down payment$53,001
Rate6.50%
Term30 years
-Operating costs-$660
Property taxes-$265
Insurance-$175
Utilities$0
HOA$0
Management-$220
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,172(66.4% ROI)
Projected value
$285,379
Current value$265,003
Return breakdown
Property appreciation+$20,376
Loan principal paid down+$7,596
Rental cash flow+$7,200
5-year hold
+$60,368(113.9% ROI)
Projected value
$299,826
Current value$265,003
Return breakdown
Property appreciation+$34,824
Loan principal paid down+$13,545
Rental cash flow+$12,000
10-year hold
+$130,498(246.2% ROI)
Projected value
$339,226
Current value$265,003
Return breakdown
Property appreciation+$74,223
Loan principal paid down+$32,275
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
0.81ratio
FMR$1,390
Market$1,720
vs market-$330

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

90% standard$1,251 / 0.73 ratio110% standard$1,529 / 0.89 ratio
0.81
1 BR
1 BR
0.86ratio
FMR$1,580
Market$1,830
vs market-$250

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

90% standard$1,422 / 0.78 ratio110% standard$1,738 / 0.95 ratio
0.86
2 BR
2 BR
0.88ratio
FMR$2,020
Market$2,290
vs market-$270

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

90% standard$1,818 / 0.79 ratio110% standard$2,222 / 0.97 ratio
0.88
3 BR
3 BR
0.93ratio
FMR$2,560
Market$2,750
vs market-$190

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

90% standard$2,304 / 0.84 ratio110% standard$2,816 / 1.02 ratio
0.93
4 BR
4 BR
0.84ratio
FMR$2,750
Market$3,270
vs market-$520

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

90% standard$2,475 / 0.76 ratio110% standard$3,025 / 0.93 ratio
0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

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 10915 (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.

10915 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10915 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,020 and the 4 bedroom fair market rent is $2,750.

Use this page for searches like 10915 FMR, 10915 fair market rent, and 10915 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 10915
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,580
2 bedroom$2,020
3 bedroom$2,560
4 bedroom$2,750