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Orange County/Harriman/10926

10926

ZIPSAFMR
Orange County, NY
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$1,900$2,050
1 BR$2,130$1,940
2 BR$2,730$2,710
3 BR$3,440$3,200
4 BR$3,620$3,630
5 BR$4,163Not available
6 BR$4,787Not available
7 BR$5,506Not available
8 BR$6,331Not available

Purchase Price Calculator

Maximum purchase price
$340,788

Cost breakdown

+Likely effective rent$2,710
HUD FMR$2,730
Market rentUsed$2,710
Est. payment standard (100%)$2,720
-Principal and interest-$1,723
Loan amount$272,631
Down payment$68,158
Rate6.50%
Term30 years
-Operating costs-$787
Property taxes-$341
Insurance-$175
Utilities$0
HOA$0
Management-$271
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,171(63.3% ROI)
Projected value
$366,992
Return breakdown
Property appreciation+$26,203
Loan principal paid down+$9,768
Rental cash flow+$7,200
5-year hold
+$74,201(108.9% ROI)
Projected value
$385,571
Return breakdown
Property appreciation+$44,782
Loan principal paid down+$17,418
Rental cash flow+$12,000
10-year hold
+$160,955(236.2% ROI)
Projected value
$436,238
Return breakdown
Property appreciation+$95,450
Loan principal paid down+$41,505
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
1.10
2 BR
1.01
3 BR
1.07
4 BR
1.00
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10926 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10926 (Harriman, NY) is $2,730 a month. That is up 7.1% from $2,550 in FY 2026. Harriman is in the Kiryas Joel-Poughkeepsie-Newburgh, NY MSA. 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 $2,131. Among 60 ZIP codes in Orange County, 10926 has the 4th-highest two-bedroom rent (county range $1,790–$3,950). The median county two-bedroom FMR in New York is $1,385, so ZIP 10926 is 97% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10926
BedroomsFY 2027Change90–110% range
Studio$1,900+8.0%$1,710–$2,090
1BR$2,130+6.5%$1,917–$2,343
2BR$2,730+7.1%$2,457–$3,003
3BR$3,440+6.2%$3,096–$3,784
4BR$3,620+4.3%$3,258–$3,982

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10926
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,900$2,130$2,730$3,440$3,620
FY 2026$1,760$2,000$2,550$3,240$3,470
FY 2025$1,690$1,930$2,470$3,150$3,410
FY 2024$1,580$1,810$2,330$2,960$3,270
FY 2023$1,420$1,560$2,000$2,550$2,830

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10926
10917$2,590−5.1%
10918$2,340−14.3%
10919$2,180−20.1%
10921$2,430−11.0%
10922$2,010−26.4%
10924$2,190−19.8%
10925$2,020−26.0%
10926Current$2,730—
10928$2,300−15.8%
10930$2,600−4.8%
10932$2,160−20.9%
10933$2,410−11.7%

Questions about ZIP 10926 rents

How much will Section 8 pay for a two-bedroom in ZIP 10926?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,131, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,918 to $2,344 a month; under the ZIP-level Small Area FMR of $2,730 it would be $2,457 to $3,003. 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 10926 in?

ZIP 10926 is in the Kiryas Joel-Poughkeepsie-Newburgh, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,131.

How much did fair market rent change in ZIP 10926 for FY 2027?

The two-bedroom FMR rose 7.1%, from $2,550 in FY 2026 to $2,730 in FY 2027. Since FY 2023 it has risen 36.5%.

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 rentHarriman, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources