Skip to main content
Loading page

11794

ZIPSAFMR
Suffolk County, NY
Loading Investment Score

ZIP Investment Score

-- 

095130300
BRFMR
Eff. Rent
0 BR$2,440$2,240
1 BR$2,840$2,420
2 BR$3,340$3,480
3 BR$4,300$3,870
4 BR$4,560$4,740
5 BR$5,244Not available
6 BR$6,031Not available
7 BR$6,935Not available
8 BR$7,975Not available

Purchase Price Calculator

Maximum purchase price
$455,210

Cost breakdown

+Likely effective rent$3,480
HUD FMR$3,340
Market rent$3,550
Est. payment standard (104%)Used$3,480
-Principal and interest-$2,302
Loan amount$364,168
Down payment$91,042
Rate6.50%
Term30 years
-Operating costs-$978
Property taxes-$455
Insurance-$175
Utilities$0
HOA$0
Management-$348
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$55,249(60.7% ROI)
Projected value
$490,211
Return breakdown
Property appreciation+$35,001
Loan principal paid down+$13,047
Rental cash flow+$7,200
5-year hold
+$95,085(104.4% ROI)
Projected value
$515,028
Return breakdown
Property appreciation+$59,818
Loan principal paid down+$23,267
Rental cash flow+$12,000
10-year hold
+$206,938(227.3% ROI)
Projected value
$582,707
Return breakdown
Property appreciation+$127,497
Loan principal paid down+$55,440
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
1.09
1 BR
1.17
2 BR
0.94
3 BR
1.11
4 BR
0.94
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 11794 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 11794 (Stony Brook, NY) is $3,340 a month. That is down 2.1% from $3,410 in FY 2026. Stony Brook 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, 11794 is tied for the 13th-highest two-bedroom rent (county range $2,480–$3,920). The median county two-bedroom FMR in New York is $1,385, so ZIP 11794 is 141% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 11794
BedroomsFY 2027Change90–110% range
Studio$2,440−1.2%$2,196–$2,684
1BR$2,840−3.7%$2,556–$3,124
2BR$3,340−2.1%$3,006–$3,674
3BR$4,300−2.7%$3,870–$4,730
4BR$4,560−2.6%$4,104–$5,016

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 11794
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,440$2,840$3,340$4,300$4,560
FY 2026$2,470$2,950$3,410$4,420$4,680
FY 2025$2,270$2,760$3,180$4,120$4,420
FY 2024$2,050$2,570$3,010$3,900$4,230
FY 2023$1,860$2,290$2,790$3,580$3,940

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 11794
11784$2,710−18.9%
11786$3,080−7.8%
11787$3,190−4.5%
11788$3,110−6.9%
11789$3,470+3.9%
11790$3,3400.0%
11792$3,390+1.5%
11794Current$3,340—
11795$3,110−6.9%
11796$2,950−11.7%
11797$3,920+17.4%
11798$2,630−21.3%

Questions about ZIP 11794 rents

How much will Section 8 pay for a two-bedroom in ZIP 11794?

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 $3,340 it would be $3,006 to $3,674. 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 11794 in?

ZIP 11794 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 11794 for FY 2027?

The two-bedroom FMR fell 2.1%, from $3,410 in FY 2026 to $3,340 in FY 2027. Since FY 2023 it has risen 19.7%.

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