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Suffolk County/HAUPPAUGE/11788

11788

ZIPSAFMR
Suffolk County, NY
Zillow
BRFMR
Eff. Rent
0 BR$2,340▲$1,990
1 BR$2,800▲$2,170
2 BR$3,230▲$3,100
3 BR$4,190▲$4,180
4 BR$4,430▲$4,460
5 BR$5,095▲—
6 BR$5,859▲—
7 BR$6,737▲—
8 BR$7,748▲—

Purchase Price Calculator

Maximum purchase price
$398,742

Cost breakdown

+Likely effective rent$3,100
HUD FMR$3,230
Market rentUsed$3,100
Est. payment standard (97%)$3,150
Market rent is below the inferred standard ($3,150, 97% of FMR).
-Principal and interest-$2,016
Loan amount$318,994
Down payment$79,748
Rate6.50%
Term30 years
-Operating costs-$884
Property taxes-$399
Insurance-$175
Utilities$0
HOA$0
Management-$310
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$49,288(61.8% ROI)
Projected value
$429,402
Current value$398,742
Return breakdown
Property appreciation+$30,660
Loan principal paid down+$11,429
Rental cash flow+$7,200
5-year hold
+$84,779(106.3% ROI)
Projected value
$451,140
Current value$398,742
Return breakdown
Property appreciation+$52,398
Loan principal paid down+$20,381
Rental cash flow+$12,000
10-year hold
+$184,245(231.0% ROI)
Projected value
$510,424
Current value$398,742
Return breakdown
Property appreciation+$111,682
Loan principal paid down+$48,563
Rental cash flow+$24,000

Market Alignment

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

Studio
Studio
1.18ratio
FMR$2,340
Market$1,990
vs market+$350

FMR is above market; underwrite to market rent.

90% standard$2,106 / 1.06 ratio110% standard$2,574 / 1.29 ratio
1.18
1 BR
1 BR
1.29ratio
FMR$2,800
Market$2,170
vs market+$630

FMR is above market; underwrite to market rent.

90% standard$2,520 / 1.16 ratio110% standard$3,080 / 1.42 ratio
1.29
2 BR
2 BR
1.04ratio
FMR$3,230
Market$3,100
vs market+$130

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

90% standard$2,907 / 0.94 ratio110% standard$3,553 / 1.15 ratio
1.04
3 BR
3 BR
1.00ratio
FMR$4,190
Market$4,180
vs market+$10

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

90% standard$3,771 / 0.90 ratio110% standard$4,609 / 1.10 ratio
1.00
4 BR
4 BR
0.99ratio
FMR$4,430
Market$4,480
vs market-$50

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

90% standard$3,987 / 0.89 ratio110% standard$4,873 / 1.09 ratio
0.99
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 11788 (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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page

11788 fair market rent benchmarks

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11788 shows monthly rent benchmarks by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,230 and the 4 bedroom fair market rent is $4,430.

Use these values to compare bedroom-size rent benchmarks and screen a property's rent assumptions. Local housing authorities set voucher payment standards, which may be above or below published HUD FMR, so confirm the applicable authority and current schedule before underwriting a property. Read the FMR and payment-standard guide for the full verification workflow.

FY 2026 Fair Market Rent by bedroom size for 11788
Bedroom sizeHUD FMR
Studio$2,340
1 bedroom$2,800
2 bedroom$3,230
3 bedroom$4,190
4 bedroom$4,430
Suffolk County fair market rentHAUPPAUGE, NY fair market rent