10956
ZIPSAFMR
Rockland County, NY
BRFMR
Eff. Rent
0 BR$2,750$2,120
1 BR$2,880$2,490
2 BR$3,160$3,020
3 BR$3,960$3,990
4 BR$4,300$4,510
5 BR$4,945
6 BR$5,687
7 BR$6,540
8 BR$7,521

Purchase Price Calculator

Maximum purchase price
$386,854

Cost breakdown

+Likely effective rent$3,020
HUD FMR$3,160
Market rentUsed$3,020
Est. payment standard (97%)$3,070
Market rent is below the inferred standard ($3,070, 97% of FMR).
-Principal and interest-$1,956
Loan amount$309,483
Down payment$77,371
Rate6.50%
Term30 years
-Operating costs-$864
Property taxes-$387
Insurance-$175
Utilities$0
HOA$0
Management-$302
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,034(62.1% ROI)
Projected value
$416,600
Current value$386,854
Return breakdown
Property appreciation+$29,745
Loan principal paid down+$11,088
Rental cash flow+$7,200
5-year hold
+$82,609(106.8% ROI)
Projected value
$437,690
Current value$386,854
Return breakdown
Property appreciation+$50,836
Loan principal paid down+$19,773
Rental cash flow+$12,000
10-year hold
+$179,467(232.0% ROI)
Projected value
$495,206
Current value$386,854
Return breakdown
Property appreciation+$108,352
Loan principal paid down+$47,115
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
1.30ratio
FMR$2,750
Market$2,120
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$2,475 / 1.17 ratio110% standard$3,025 / 1.43 ratio
1.30
1 BR
1 BR
1.16ratio
FMR$2,880
Market$2,490
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,592 / 1.04 ratio110% standard$3,168 / 1.27 ratio
1.16
2 BR
2 BR
1.05ratio
FMR$3,160
Market$3,020
vs market+$140

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

90% standard$2,844 / 0.94 ratio110% standard$3,476 / 1.15 ratio
1.05
3 BR
3 BR
0.99ratio
FMR$3,960
Market$4,000
vs market-$40

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

90% standard$3,564 / 0.89 ratio110% standard$4,356 / 1.09 ratio
0.99
4 BR
4 BR
0.93ratio
FMR$4,300
Market$4,620
vs market-$320

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

90% standard$3,870 / 0.84 ratio110% standard$4,730 / 1.02 ratio
0.93
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 10956 (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.

10956 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10956 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,160 and the 4 bedroom fair market rent is $4,300.

Use this page for searches like 10956 FMR, 10956 fair market rent, and 10956 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 10956
Bedroom sizeHUD FMR
Studio$2,750
1 bedroom$2,880
2 bedroom$3,160
3 bedroom$3,960
4 bedroom$4,300