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Suffolk County/Commack/11725

11725

ZIPSAFMR
Suffolk County, NY
Zillow

ZIP Investment Score

58Below average

095130300
BRFMR
Eff. Rent
0 BR$2,150$2,160
1 BR$2,510$2,410
2 BR$2,950$3,200
3 BR$3,790$4,040
4 BR$4,030$4,430
5 BR$4,635Not available
6 BR$5,330Not available
7 BR$6,129Not available
8 BR$7,048Not available

Purchase Price Calculator

Maximum purchase price
$413,602

Cost breakdown

+Likely effective rent$3,200
HUD FMR$2,950
Market rent$3,330
Est. payment standard (108%)Used$3,200
-Principal and interest-$2,091
Loan amount$330,882
Down payment$82,720
Rate6.50%
Term30 years
-Operating costs-$909
Property taxes-$414
Insurance-$175
Utilities$0
HOA$0
Management-$320
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,857(61.5% ROI)
Projected value
$445,404
Return breakdown
Property appreciation+$31,802
Loan principal paid down+$11,855
Rental cash flow+$7,200
5-year hold
+$87,491(105.8% ROI)
Projected value
$467,953
Return breakdown
Property appreciation+$54,351
Loan principal paid down+$21,140
Rental cash flow+$12,000
10-year hold
+$190,217(230.0% ROI)
Projected value
$529,446
Return breakdown
Property appreciation+$115,844
Loan principal paid down+$50,373
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.99
1 BR
1.04
2 BR
0.89
3 BR
0.91
4 BR
0.82
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 11725 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 11725 (Commack, NY) is $2,950 a month. That is down 2.0% from $3,010 in FY 2026. Commack is in the Nassau-Suffolk, 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 $2,689. Among 111 ZIP codes in Suffolk County, 11725 is tied for the 28th-highest two-bedroom rent (county range $2,480–$3,920). The median county two-bedroom FMR in New York is $1,385, so ZIP 11725 is 113% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 11725
BedroomsFY 2027Change90–110% range
Studio$2,150−1.4%$1,935–$2,365
1BR$2,510−3.8%$2,259–$2,761
2BR$2,950−2.0%$2,655–$3,245
3BR$3,790−2.8%$3,411–$4,169
4BR$4,030−2.4%$3,627–$4,433

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 11725
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,150$2,510$2,950$3,790$4,030
FY 2026$2,180$2,610$3,010$3,900$4,130
FY 2025$2,040$2,480$2,860$3,710$3,970
FY 2024$1,890$2,370$2,770$3,580$3,890
FY 2023$1,650$2,060$2,470$3,170$3,490

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 11725
11718$2,480−15.9%
11719$3,020+2.4%
11720$2,580−12.5%
11721$3,840+30.2%
11722$2,760−6.4%
11724$3,180+7.8%
11725Current$2,950—
11726$2,480−15.9%
11727$3,010+2.0%
11729$2,480−15.9%
11730$3,030+2.7%
11731$2,740−7.1%

Questions about ZIP 11725 rents

How much will Section 8 pay for a two-bedroom in ZIP 11725?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,689, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,420 to $2,958 a month; under the ZIP-level Small Area FMR of $2,950 it would be $2,655 to $3,245. 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 11725 in?

ZIP 11725 is in the Nassau-Suffolk, NY HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,689.

How much did fair market rent change in ZIP 11725 for FY 2027?

The two-bedroom FMR fell 2.0%, from $3,010 in FY 2026 to $2,950 in FY 2027. Since FY 2023 it has risen 19.4%.

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