10986
ZIPSAFMR
Rockland County, NY
BRFMR
Eff. Rent
0 BR$2,620$2,090
1 BR$2,700$2,440
2 BR$3,030$2,920
3 BR$3,780$3,690
4 BR$4,060$4,470
5 BR$4,669
6 BR$5,369
7 BR$6,175
8 BR$7,101

Purchase Price Calculator

Maximum purchase price
$371,994

Cost breakdown

+Likely effective rent$2,920
HUD FMR$3,030
Market rentUsed$2,920
Est. payment standard (98%)$2,960
Market rent is below the inferred standard ($2,960, 98% of FMR).
-Principal and interest-$1,881
Loan amount$297,595
Down payment$74,399
Rate6.50%
Term30 years
-Operating costs-$839
Property taxes-$372
Insurance-$175
Utilities$0
HOA$0
Management-$292
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$46,465(62.5% ROI)
Projected value
$400,597
Current value$371,994
Return breakdown
Property appreciation+$28,603
Loan principal paid down+$10,662
Rental cash flow+$7,200
5-year hold
+$79,897(107.4% ROI)
Projected value
$420,877
Current value$371,994
Return breakdown
Property appreciation+$48,883
Loan principal paid down+$19,013
Rental cash flow+$12,000
10-year hold
+$173,495(233.2% ROI)
Projected value
$476,184
Current value$371,994
Return breakdown
Property appreciation+$104,190
Loan principal paid down+$45,306
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
1.25ratio
FMR$2,620
Market$2,090
vs market+$530

FMR is above market; underwrite to market rent.

90% standard$2,358 / 1.13 ratio110% standard$2,882 / 1.38 ratio
1.25
1 BR
1 BR
1.11ratio
FMR$2,700
Market$2,440
vs market+$260

FMR is above market; underwrite to market rent.

90% standard$2,430 / 1.00 ratio110% standard$2,970 / 1.22 ratio
1.11
2 BR
2 BR
1.04ratio
FMR$3,030
Market$2,920
vs market+$110

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

90% standard$2,727 / 0.93 ratio110% standard$3,333 / 1.14 ratio
1.04
3 BR
3 BR
1.02ratio
FMR$3,780
Market$3,690
vs market+$90

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

90% standard$3,402 / 0.92 ratio110% standard$4,158 / 1.13 ratio
1.02
4 BR
4 BR
0.82ratio
FMR$4,060
Market$4,930
vs market-$870

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

90% standard$3,654 / 0.74 ratio110% standard$4,466 / 0.91 ratio
0.82
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 10986 (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.

10986 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 10986 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,030 and the 4 bedroom fair market rent is $4,060.

Use this page for searches like 10986 FMR, 10986 fair market rent, and 10986 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 10986
Bedroom sizeHUD FMR
Studio$2,620
1 bedroom$2,700
2 bedroom$3,030
3 bedroom$3,780
4 bedroom$4,060