10976
ZIPSAFMR
Rockland County, NY
BRFMR
Eff. Rent
0 BR$2,550$2,480
1 BR$2,670$2,740
2 BR$2,930$3,220
3 BR$3,670$4,040
4 BR$3,990$4,390
5 BR$4,589
6 BR$5,277
7 BR$6,068
8 BR$6,979

Purchase Price Calculator

Maximum purchase price
$416,574

Cost breakdown

+Likely effective rent$3,220
HUD FMR$2,930
Market rent$4,240
Est. payment standard (110%)Used$3,220
Estimated payment standard is $3,220 (110% of FMR).
-Principal and interest-$2,106
Loan amount$333,259
Down payment$83,315
Rate6.50%
Term30 years
-Operating costs-$914
Property taxes-$417
Insurance-$175
Utilities$0
HOA$0
Management-$322
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$51,171(61.4% ROI)
Projected value
$448,605
Current value$416,574
Return breakdown
Property appreciation+$32,031
Loan principal paid down+$11,940
Rental cash flow+$7,200
5-year hold
+$88,033(105.7% ROI)
Projected value
$471,315
Current value$416,574
Return breakdown
Property appreciation+$54,741
Loan principal paid down+$21,292
Rental cash flow+$12,000
10-year hold
+$191,411(229.7% ROI)
Projected value
$533,250
Current value$416,574
Return breakdown
Property appreciation+$116,676
Loan principal paid down+$50,735
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
1.03ratio
FMR$2,550
Market$2,480
vs market+$70

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

90% standard$2,295 / 0.93 ratio110% standard$2,805 / 1.13 ratio
1.03
1 BR
1 BR
0.96ratio
FMR$2,670
Market$2,780
vs market-$110

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

90% standard$2,403 / 0.86 ratio110% standard$2,937 / 1.06 ratio
0.96
2 BR
2 BR
0.69ratio
FMR$2,930
Market$4,240
vs market-$1,310

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

90% standard$2,637 / 0.62 ratio110% standard$3,223 / 0.76 ratio
0.69
3 BR
3 BR
0.76ratio
FMR$3,670
Market$4,800
vs market-$1,130

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

90% standard$3,303 / 0.69 ratio110% standard$4,037 / 0.84 ratio
0.76
4 BR
4 BR
0.69ratio
FMR$3,990
Market$5,780
vs market-$1,790

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

90% standard$3,591 / 0.62 ratio110% standard$4,389 / 0.76 ratio
0.69
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 10976 (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.

10976 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10976 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,930 and the 4 bedroom fair market rent is $3,990.

Use this page for searches like 10976 FMR, 10976 fair market rent, and 10976 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 10976
Bedroom sizeHUD FMR
Studio$2,550
1 bedroom$2,670
2 bedroom$2,930
3 bedroom$3,670
4 bedroom$3,990