11796
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$2,120$2,140
1 BR$2,530$2,510
2 BR$2,920$3,020
3 BR$3,790$3,650
4 BR$4,010$3,970
5 BR$4,612
6 BR$5,303
7 BR$6,099
8 BR$7,014

Purchase Price Calculator

Maximum purchase price
$386,854

Cost breakdown

+Likely effective rent$3,020
HUD FMR$2,920
Market rent$3,080
Est. payment standard (104%)Used$3,020
Estimated payment standard is $3,020 (104% of FMR).
-Principal and interest-$1,956
Loan amount$309,483
Down payment$77,371
Rate6.50%
Term30 years
-Operating costs-$864
Property taxes-$387
Insurance-$175
Utilities$0
HOA$0
Management-$302
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,034(62.1% ROI)
Projected value
$416,600
Current value$386,854
Return breakdown
Property appreciation+$29,745
Loan principal paid down+$11,088
Rental cash flow+$7,200
5-year hold
+$82,609(106.8% ROI)
Projected value
$437,690
Current value$386,854
Return breakdown
Property appreciation+$50,836
Loan principal paid down+$19,773
Rental cash flow+$12,000
10-year hold
+$179,467(232.0% ROI)
Projected value
$495,206
Current value$386,854
Return breakdown
Property appreciation+$108,352
Loan principal paid down+$47,115
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
0.99ratio
FMR$2,120
Market$2,150
vs market-$30

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

90% standard$1,908 / 0.89 ratio110% standard$2,332 / 1.08 ratio
0.99
1 BR
1 BR
1.01ratio
FMR$2,530
Market$2,510
vs market+$20

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

90% standard$2,277 / 0.91 ratio110% standard$2,783 / 1.11 ratio
1.01
2 BR
2 BR
0.95ratio
FMR$2,920
Market$3,080
vs market-$160

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

90% standard$2,628 / 0.85 ratio110% standard$3,212 / 1.04 ratio
0.95
3 BR
3 BR
1.04ratio
FMR$3,790
Market$3,650
vs market+$140

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

90% standard$3,411 / 0.93 ratio110% standard$4,169 / 1.14 ratio
1.04
4 BR
4 BR
1.01ratio
FMR$4,010
Market$3,970
vs market+$40

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

90% standard$3,609 / 0.91 ratio110% standard$4,411 / 1.11 ratio
1.01
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 11796 (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.

11796 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11796 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,920 and the 4 bedroom fair market rent is $4,010.

Use this page for searches like 11796 FMR, 11796 fair market rent, and 11796 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 11796
Bedroom sizeHUD FMR
Studio$2,120
1 bedroom$2,530
2 bedroom$2,920
3 bedroom$3,790
4 bedroom$4,010