11704
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$1,940$2,130
1 BR$2,320$2,430
2 BR$2,680$2,950
3 BR$3,480$3,820
4 BR$3,680$4,050
5 BR$4,232
6 BR$4,867
7 BR$5,597
8 BR$6,436

Purchase Price Calculator

Maximum purchase price
$376,452

Cost breakdown

+Likely effective rent$2,950
HUD FMR$2,680
Market rent$3,430
Est. payment standard (110%)Used$2,950
Estimated payment standard is $2,950 (110% of FMR).
-Principal and interest-$1,904
Loan amount$301,162
Down payment$75,290
Rate6.50%
Term30 years
-Operating costs-$846
Property taxes-$376
Insurance-$175
Utilities$0
HOA$0
Management-$295
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$46,936(62.3% ROI)
Projected value
$405,398
Current value$376,452
Return breakdown
Property appreciation+$28,946
Loan principal paid down+$10,790
Rental cash flow+$7,200
5-year hold
+$80,710(107.2% ROI)
Projected value
$425,921
Current value$376,452
Return breakdown
Property appreciation+$49,469
Loan principal paid down+$19,241
Rental cash flow+$12,000
10-year hold
+$175,287(232.8% ROI)
Projected value
$481,891
Current value$376,452
Return breakdown
Property appreciation+$105,438
Loan principal paid down+$45,848
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.85ratio
FMR$1,940
Market$2,270
vs market-$330

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

90% standard$1,746 / 0.77 ratio110% standard$2,134 / 0.94 ratio
0.85
1 BR
1 BR
0.93ratio
FMR$2,320
Market$2,490
vs market-$170

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

90% standard$2,088 / 0.84 ratio110% standard$2,552 / 1.02 ratio
0.93
2 BR
2 BR
0.78ratio
FMR$2,680
Market$3,430
vs market-$750

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

90% standard$2,412 / 0.70 ratio110% standard$2,948 / 0.86 ratio
0.78
3 BR
3 BR
0.87ratio
FMR$3,480
Market$4,000
vs market-$520

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

90% standard$3,132 / 0.78 ratio110% standard$3,828 / 0.96 ratio
0.87
4 BR
4 BR
0.84ratio
FMR$3,680
Market$4,380
vs market-$700

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

90% standard$3,312 / 0.76 ratio110% standard$4,048 / 0.92 ratio
0.84
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 11704 (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.

11704 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11704 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,680 and the 4 bedroom fair market rent is $3,680.

Use this page for searches like 11704 FMR, 11704 fair market rent, and 11704 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 11704
Bedroom sizeHUD FMR
Studio$1,940
1 bedroom$2,320
2 bedroom$2,680
3 bedroom$3,480
4 bedroom$3,680