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Suffolk County/Middle Island/11953

11953

ZIPSAFMR
Suffolk County, NY
Zillow

ZIP Investment Score

67Below average

095130300
BRFMR
Eff. Rent
0 BR$1,830$2,010
1 BR$2,150$2,250
2 BR$2,510$2,760
3 BR$3,230$3,550
4 BR$3,430$3,770
5 BR$3,944Not available
6 BR$4,536Not available
7 BR$5,217Not available
8 BR$5,999Not available

Purchase Price Calculator

Maximum purchase price
$348,218

Cost breakdown

+Likely effective rent$2,760
HUD FMR$2,510
Market rent$3,020
Est. payment standard (110%)Used$2,760
-Principal and interest-$1,761
Loan amount$278,575
Down payment$69,644
Rate6.50%
Term30 years
-Operating costs-$799
Property taxes-$348
Insurance-$175
Utilities$0
HOA$0
Management-$276
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,955(63.1% ROI)
Projected value
$374,993
Return breakdown
Property appreciation+$26,775
Loan principal paid down+$9,981
Rental cash flow+$7,200
5-year hold
+$75,557(108.5% ROI)
Projected value
$393,977
Return breakdown
Property appreciation+$45,759
Loan principal paid down+$17,798
Rental cash flow+$12,000
10-year hold
+$163,940(235.4% ROI)
Projected value
$445,749
Return breakdown
Property appreciation+$97,531
Loan principal paid down+$42,410
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.86
1 BR
0.93
2 BR
0.83
3 BR
0.85
4 BR
0.85
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 11953 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 11953 (Middle Island, NY) is $2,510 a month. That is down 2.7% from $2,580 in FY 2026. Middle Island 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, 11953 is tied for the 94th-highest two-bedroom rent (county range $2,480–$3,920). The median county two-bedroom FMR in New York is $1,385, so ZIP 11953 is 81% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 11953
BedroomsFY 2027Change90–110% range
Studio$1,830−2.1%$1,647–$2,013
1BR$2,150−3.6%$1,935–$2,365
2BR$2,510−2.7%$2,259–$2,761
3BR$3,230−3.6%$2,907–$3,553
4BR$3,430−3.1%$3,087–$3,773

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 11953
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,830$2,150$2,510$3,230$3,430
FY 2026$1,870$2,230$2,580$3,350$3,540
FY 2025$1,770$2,150$2,480$3,210$3,440
FY 2024$1,680$2,110$2,470$3,200$3,470
FY 2023$1,520$1,900$2,280$2,930$3,220

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 11953
11947$2,570+2.4%
11948$2,670+6.4%
11949$2,610+4.0%
11950$2,480−1.2%
11951$2,720+8.4%
11952$2,570+2.4%
11953Current$2,510—
11954$2,960+17.9%
11955$2,720+8.4%
11956$2,570+2.4%
11957$2,950+17.5%
11958$2,630+4.8%

Questions about ZIP 11953 rents

How much will Section 8 pay for a two-bedroom in ZIP 11953?

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 $2,510 it would be $2,259 to $2,761. 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 11953 in?

ZIP 11953 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 11953 for FY 2027?

The two-bedroom FMR fell 2.7%, from $2,580 in FY 2026 to $2,510 in FY 2027. Since FY 2023 it has risen 10.1%.

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

County fair market rentMiddle Island, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources