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Suffolk County/Saint James/11780

11780

ZIPSAFMR
Suffolk County, NY
Zillow

ZIP Investment Score

59Below average

095130300
BRFMR
Eff. Rent
0 BR$1,960$2,120
1 BR$2,290$2,520
2 BR$2,690$2,960
3 BR$3,460$3,810
4 BR$3,670$4,040
5 BR$4,221Not available
6 BR$4,854Not available
7 BR$5,582Not available
8 BR$6,419Not available

Purchase Price Calculator

Maximum purchase price
$377,938

Cost breakdown

+Likely effective rent$2,960
HUD FMR$2,690
Market rent$3,500
Est. payment standard (110%)Used$2,960
-Principal and interest-$1,911
Loan amount$302,351
Down payment$75,588
Rate6.50%
Term30 years
-Operating costs-$849
Property taxes-$378
Insurance-$175
Utilities$0
HOA$0
Management-$296
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,092(62.3% ROI)
Projected value
$406,998
Return breakdown
Property appreciation+$29,060
Loan principal paid down+$10,832
Rental cash flow+$7,200
5-year hold
+$80,981(107.1% ROI)
Projected value
$427,602
Return breakdown
Property appreciation+$49,664
Loan principal paid down+$19,317
Rental cash flow+$12,000
10-year hold
+$175,884(232.7% ROI)
Projected value
$483,793
Return breakdown
Property appreciation+$105,855
Loan principal paid down+$46,029
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.82
2 BR
0.77
3 BR
0.83
4 BR
0.74
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 11780 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 11780 (Saint James, NY) is $2,690 a month. That is unchanged from FY 2026. Saint James 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, 11780 has the 62nd-highest two-bedroom rent (county range $2,480–$3,920). The median county two-bedroom FMR in New York is $1,385, so ZIP 11780 is 94% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 11780
BedroomsFY 2027Change90–110% range
Studio$1,960+0.5%$1,764–$2,156
1BR$2,290−1.7%$2,061–$2,519
2BR$2,6900.0%$2,421–$2,959
3BR$3,460−0.9%$3,114–$3,806
4BR$3,670−0.5%$3,303–$4,037

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 11780
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,960$2,290$2,690$3,460$3,670
FY 2026$1,950$2,330$2,690$3,490$3,690
FY 2025$1,750$2,120$2,450$3,180$3,400
FY 2024$1,670$2,090$2,450$3,170$3,440
FY 2023$1,560$1,940$2,330$2,990$3,290

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 11780
11772$2,540−5.6%
11776$2,700+0.4%
11777$2,760+2.6%
11778$2,480−7.8%
11779$2,610−3.0%
11780Current$2,690—
11782$2,790+3.7%
11784$2,710+0.7%
11786$3,080+14.5%
11787$3,190+18.6%
11788$3,110+15.6%
11789$3,470+29.0%

Questions about ZIP 11780 rents

How much will Section 8 pay for a two-bedroom in ZIP 11780?

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 $2,690 it would be $2,421 to $2,959. 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 11780 in?

ZIP 11780 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 11780 for FY 2027?

The two-bedroom FMR was unchanged at $2,690 in FY 2027. Since FY 2023 it has risen 15.5%.

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