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Rockland County/Sparkill/10976

10976

ZIPSAFMR
Rockland County, NY
Zillow

ZIP Investment Score

68Below average

095130300
BRFMR
Eff. Rent
0 BR$2,590$2,480
1 BR$2,730$2,760
2 BR$2,970$3,270
3 BR$3,760$4,140
4 BR$4,120$4,530
5 BR$4,738Not available
6 BR$5,449Not available
7 BR$6,266Not available
8 BR$7,206Not available

Purchase Price Calculator

Maximum purchase price
$424,004

Cost breakdown

+Likely effective rent$3,270
HUD FMR$2,970
Market rent$4,240
Est. payment standard (110%)Used$3,270
-Principal and interest-$2,144
Loan amount$339,203
Down payment$84,801
Rate6.50%
Term30 years
-Operating costs-$926
Property taxes-$424
Insurance-$175
Utilities$0
HOA$0
Management-$327
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,955(61.3% ROI)
Projected value
$456,606
Return breakdown
Property appreciation+$32,602
Loan principal paid down+$12,153
Rental cash flow+$7,200
5-year hold
+$89,389(105.4% ROI)
Projected value
$479,722
Return breakdown
Property appreciation+$55,718
Loan principal paid down+$21,672
Rental cash flow+$12,000
10-year hold
+$194,397(229.2% ROI)
Projected value
$542,761
Return breakdown
Property appreciation+$118,757
Loan principal paid down+$51,640
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.04
1 BR
0.98
2 BR
0.70
3 BR
0.78
4 BR
0.71
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 10976 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 10976 (Sparkill, NY) is $2,970 a month. That is up 1.4% from $2,930 in FY 2026. Sparkill is in the New York, NY HUD Metro FMR Area. 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 $2,971. Among 28 ZIP codes in Rockland County, 10976 is tied for the 14th-highest two-bedroom rent (county range $2,620–$3,950). The median county two-bedroom FMR in New York is $1,385, so ZIP 10976 is 114% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 10976
BedroomsFY 2027Change90–110% range
Studio$2,590+1.6%$2,331–$2,849
1BR$2,730+2.2%$2,457–$3,003
2BR$2,970+1.4%$2,673–$3,267
3BR$3,760+2.5%$3,384–$4,136
4BR$4,120+3.3%$3,708–$4,532

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 10976
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,590$2,730$2,970$3,760$4,120
FY 2026$2,550$2,670$2,930$3,670$3,990
FY 2025$2,560$2,670$2,960$3,680$3,970
FY 2024$1,920$1,960$2,210$2,780$2,990
FY 2023$1,820$1,850$2,110$2,660$2,860

Two-bedroom rent in nearby Rockland County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 10976
10965$3,040+2.4%
10968$3,120+5.1%
10970$2,940−1.0%
10974$3,950+33.0%
10976Current$2,970—
10977$2,660−10.4%
10980$2,720−8.4%
10982$2,9700.0%
10983$3,520+18.5%
10984$2,800−5.7%
10986$2,730−8.1%
10987$2,620−11.8%

Questions about ZIP 10976 rents

How much will Section 8 pay for a two-bedroom in ZIP 10976?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,971, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,674 to $3,268 a month; under the ZIP-level Small Area FMR of $2,970 it would be $2,673 to $3,267. 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 10976 in?

ZIP 10976 is in the New York, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,971.

How much did fair market rent change in ZIP 10976 for FY 2027?

The two-bedroom FMR rose 1.4%, from $2,930 in FY 2026 to $2,970 in FY 2027. Since FY 2023 it has risen 40.8%.

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