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Suffolk County/Moriches/11955

11955

ZIPSAFMR
Suffolk County, NY
Zillow

ZIP Investment Score

57Below average

095130300
BRFMR
Eff. Rent
0 BR$1,990$2,190
1 BR$2,310$2,410
2 BR$2,720$2,990
3 BR$3,500$3,450
4 BR$3,710$4,080
5 BR$4,267Not available
6 BR$4,906Not available
7 BR$5,642Not available
8 BR$6,489Not available

Purchase Price Calculator

Maximum purchase price
$382,396

Cost breakdown

+Likely effective rent$2,990
HUD FMR$2,720
Market rent$3,330
Est. payment standard (110%)Used$2,990
-Principal and interest-$1,934
Loan amount$305,917
Down payment$76,479
Rate6.50%
Term30 years
-Operating costs-$856
Property taxes-$382
Insurance-$175
Utilities$0
HOA$0
Management-$299
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,563(62.2% ROI)
Projected value
$411,799
Return breakdown
Property appreciation+$29,403
Loan principal paid down+$10,960
Rental cash flow+$7,200
5-year hold
+$81,795(107.0% ROI)
Projected value
$432,646
Return breakdown
Property appreciation+$50,250
Loan principal paid down+$19,545
Rental cash flow+$12,000
10-year hold
+$177,676(232.3% ROI)
Projected value
$489,500
Return breakdown
Property appreciation+$107,103
Loan principal paid down+$46,572
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.83
1 BR
0.94
2 BR
0.82
3 BR
1.01
4 BR
0.82
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 11955 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 11955 (Moriches, NY) is $2,720 a month. That is up 1.9% from $2,670 in FY 2026. Moriches 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, 11955 is tied for the 55th-highest two-bedroom rent (county range $2,480–$3,920). The median county two-bedroom FMR in New York is $1,385, so ZIP 11955 is 96% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 11955
BedroomsFY 2027Change90–110% range
Studio$1,990+2.6%$1,791–$2,189
1BR$2,3100.0%$2,079–$2,541
2BR$2,720+1.9%$2,448–$2,992
3BR$3,500+1.2%$3,150–$3,850
4BR$3,710+1.4%$3,339–$4,081

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 11955
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,990$2,310$2,720$3,500$3,710
FY 2026$1,940$2,310$2,670$3,460$3,660
FY 2025$1,780$2,160$2,490$3,230$3,460
FY 2024$1,630$2,050$2,400$3,110$3,370
FY 2023$1,510$1,880$2,260$2,900$3,190

Two-bedroom rent in nearby Suffolk County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 11955
11949$2,610−4.0%
11950$2,480−8.8%
11951$2,7200.0%
11952$2,570−5.5%
11953$2,510−7.7%
11954$2,960+8.8%
11955Current$2,720—
11956$2,570−5.5%
11957$2,950+8.5%
11958$2,630−3.3%
11959$3,800+39.7%
11960$2,670−1.8%

Questions about ZIP 11955 rents

How much will Section 8 pay for a two-bedroom in ZIP 11955?

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 $2,720 it would be $2,448 to $2,992. 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 11955 in?

ZIP 11955 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 11955 for FY 2027?

The two-bedroom FMR rose 1.9%, from $2,670 in FY 2026 to $2,720 in FY 2027. Since FY 2023 it has risen 20.4%.

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 rentMoriches, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources