11786
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$2,480$2,270
1 BR$2,960$2,520
2 BR$3,420$3,120
3 BR$4,440$3,770
4 BR$4,690$4,920
5 BR$5,394
6 BR$6,203
7 BR$7,133
8 BR$8,203

Purchase Price Calculator

Maximum purchase price
$401,714

Cost breakdown

+Likely effective rent$3,120
HUD FMR$3,420
Market rentUsed$3,120
Est. payment standard (94%)$3,230
Market rent is below the inferred standard ($3,230, 94% of FMR).
-Principal and interest-$2,031
Loan amount$321,371
Down payment$80,343
Rate6.50%
Term30 years
-Operating costs-$889
Property taxes-$402
Insurance-$175
Utilities$0
HOA$0
Management-$312
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,602(61.7% ROI)
Projected value
$432,602
Current value$401,714
Return breakdown
Property appreciation+$30,888
Loan principal paid down+$11,514
Rental cash flow+$7,200
5-year hold
+$85,321(106.2% ROI)
Projected value
$454,503
Current value$401,714
Return breakdown
Property appreciation+$52,789
Loan principal paid down+$20,532
Rental cash flow+$12,000
10-year hold
+$185,439(230.8% ROI)
Projected value
$514,228
Current value$401,714
Return breakdown
Property appreciation+$112,514
Loan principal paid down+$48,925
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
1.09ratio
FMR$2,480
Market$2,270
vs market+$210

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

90% standard$2,232 / 0.98 ratio110% standard$2,728 / 1.20 ratio
1.09
1 BR
1 BR
1.17ratio
FMR$2,960
Market$2,520
vs market+$440

FMR is above market; underwrite to market rent.

90% standard$2,664 / 1.06 ratio110% standard$3,256 / 1.29 ratio
1.17
2 BR
2 BR
1.10ratio
FMR$3,420
Market$3,120
vs market+$300

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

90% standard$3,078 / 0.99 ratio110% standard$3,762 / 1.21 ratio
1.10
3 BR
3 BR
1.18ratio
FMR$4,440
Market$3,770
vs market+$670

FMR is above market; underwrite to market rent.

90% standard$3,996 / 1.06 ratio110% standard$4,884 / 1.30 ratio
1.18
4 BR
4 BR
0.93ratio
FMR$4,690
Market$5,050
vs market-$360

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

90% standard$4,221 / 0.84 ratio110% standard$5,159 / 1.02 ratio
0.93
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 11786 (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.

11786 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11786 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,420 and the 4 bedroom fair market rent is $4,690.

Use this page for searches like 11786 FMR, 11786 fair market rent, and 11786 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 11786
Bedroom sizeHUD FMR
Studio$2,480
1 bedroom$2,960
2 bedroom$3,420
3 bedroom$4,440
4 bedroom$4,690