11946
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$2,100$2,310
1 BR$2,510$2,760
2 BR$2,900$3,190
3 BR$3,760$4,140
4 BR$3,980$4,380
5 BR$4,577
6 BR$5,264
7 BR$6,053
8 BR$6,961

Purchase Price Calculator

Maximum purchase price
$412,116

Cost breakdown

+Likely effective rent$3,190
HUD FMR$2,900
Market rent$4,480
Est. payment standard (110%)Used$3,190
Estimated payment standard is $3,190 (110% of FMR).
-Principal and interest-$2,084
Loan amount$329,693
Down payment$82,423
Rate6.50%
Term30 years
-Operating costs-$906
Property taxes-$412
Insurance-$175
Utilities$0
HOA$0
Management-$319
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$50,700(61.5% ROI)
Projected value
$443,804
Current value$412,116
Return breakdown
Property appreciation+$31,688
Loan principal paid down+$11,812
Rental cash flow+$7,200
5-year hold
+$87,220(105.8% ROI)
Projected value
$466,272
Current value$412,116
Return breakdown
Property appreciation+$54,155
Loan principal paid down+$21,064
Rental cash flow+$12,000
10-year hold
+$189,619(230.1% ROI)
Projected value
$527,544
Current value$412,116
Return breakdown
Property appreciation+$115,427
Loan principal paid down+$50,192
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
0.57ratio
FMR$2,100
Market$3,680
vs market-$1,580

FMR is below market; voucher rent may lag private rents.

90% standard$1,890 / 0.51 ratio110% standard$2,310 / 0.63 ratio
0.57
1 BR
1 BR
0.65ratio
FMR$2,510
Market$3,880
vs market-$1,370

FMR is below market; voucher rent may lag private rents.

90% standard$2,259 / 0.58 ratio110% standard$2,761 / 0.71 ratio
0.65
2 BR
2 BR
0.65ratio
FMR$2,900
Market$4,480
vs market-$1,580

FMR is below market; voucher rent may lag private rents.

90% standard$2,610 / 0.58 ratio110% standard$3,190 / 0.71 ratio
0.65
3 BR
3 BR
0.76ratio
FMR$3,760
Market$4,940
vs market-$1,180

FMR is below market; voucher rent may lag private rents.

90% standard$3,384 / 0.69 ratio110% standard$4,136 / 0.84 ratio
0.76
4 BR
4 BR
0.31ratio
FMR$3,980
Market$12,820
vs market-$8,840

FMR is below market; voucher rent may lag private rents.

0.31
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 11946 (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.

11946 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11946 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,900 and the 4 bedroom fair market rent is $3,980.

Use this page for searches like 11946 FMR, 11946 fair market rent, and 11946 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 11946
Bedroom sizeHUD FMR
Studio$2,100
1 bedroom$2,510
2 bedroom$2,900
3 bedroom$3,760
4 bedroom$3,980