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Orange County/Highland Mills/10930

10930

ZIPSAFMR
Orange County, NY
Zillow

ZIP Investment Score

68Below average

095130300
BRFMR
Eff. Rent
0 BR$1,810$1,870
1 BR$2,020$1,920
2 BR$2,600$2,360
3 BR$3,280$3,210
4 BR$3,450$3,660
5 BR$3,967Not available
6 BR$4,563Not available
7 BR$5,247Not available
8 BR$6,034Not available

Purchase Price Calculator

Maximum purchase price
$288,779

Cost breakdown

+Likely effective rent$2,360
HUD FMR$2,600
Market rentUsed$2,360
Est. payment standard (94%)$2,440
-Principal and interest-$1,460
Loan amount$231,023
Down payment$57,756
Rate6.50%
Term30 years
-Operating costs-$700
Property taxes-$289
Insurance-$175
Utilities$0
HOA$0
Management-$236
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,681(65.2% ROI)
Projected value
$310,983
Return breakdown
Property appreciation+$22,204
Loan principal paid down+$8,277
Rental cash flow+$7,200
5-year hold
+$64,708(112.0% ROI)
Projected value
$326,726
Return breakdown
Property appreciation+$37,948
Loan principal paid down+$14,760
Rental cash flow+$12,000
10-year hold
+$140,053(242.5% ROI)
Projected value
$369,661
Return breakdown
Property appreciation+$80,882
Loan principal paid down+$35,171
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.95
1 BR
1.05
2 BR
1.10
3 BR
1.02
4 BR
0.92
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10930 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10930 (Highland Mills, NY) is $2,600 a month. That is up 6.6% from $2,440 in FY 2026. Highland Mills 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, 10930 has the 8th-highest two-bedroom rent (county range $1,790–$3,950). The median county two-bedroom FMR in New York is $1,385, so ZIP 10930 is 88% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10930
BedroomsFY 2027Change90–110% range
Studio$1,810+7.7%$1,629–$1,991
1BR$2,020+5.8%$1,818–$2,222
2BR$2,600+6.6%$2,340–$2,860
3BR$3,280+5.8%$2,952–$3,608
4BR$3,450+3.9%$3,105–$3,795

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10930
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,810$2,020$2,600$3,280$3,450
FY 2026$1,680$1,910$2,440$3,100$3,320
FY 2025$1,660$1,890$2,420$3,090$3,340
FY 2024$1,530$1,750$2,250$2,850$3,160
FY 2023$1,310$1,430$1,840$2,340$2,600

Two-bedroom rent in nearby Orange County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10930
10919$2,180−16.2%
10921$2,430−6.5%
10922$2,010−22.7%
10924$2,190−15.8%
10925$2,020−22.3%
10926$2,730+5.0%
10928$2,300−11.5%
10930Current$2,600—
10932$2,160−16.9%
10933$2,410−7.3%
10940$2,160−16.9%
10941$2,260−13.1%

Questions about ZIP 10930 rents

How much will Section 8 pay for a two-bedroom in ZIP 10930?

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 $2,600 it would be $2,340 to $2,860. 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 10930 in?

ZIP 10930 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 10930 for FY 2027?

The two-bedroom FMR rose 6.6%, from $2,440 in FY 2026 to $2,600 in FY 2027. Since FY 2023 it has risen 41.3%.

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