11963
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$2,700$2,970
1 BR$3,220$3,540
2 BR$3,720$4,090
3 BR$4,830$5,310
4 BR$5,100$5,610
5 BR$5,865
6 BR$6,745
7 BR$7,756
8 BR$8,920

Purchase Price Calculator

Maximum purchase price
$545,856

Cost breakdown

+Likely effective rent$4,090
HUD FMR$3,720
Market rent$13,320
Est. payment standard (110%)Used$4,090
Estimated payment standard is $4,090 (110% of FMR).
-Principal and interest-$2,760
Loan amount$436,685
Down payment$109,171
Rate6.50%
Term30 years
-Operating costs-$1,130
Property taxes-$546
Insurance-$175
Utilities$0
HOA$0
Management-$409
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$64,817(59.4% ROI)
Projected value
$587,827
Current value$545,856
Return breakdown
Property appreciation+$41,971
Loan principal paid down+$15,645
Rental cash flow+$7,200
5-year hold
+$111,630(102.3% ROI)
Projected value
$617,586
Current value$545,856
Return breakdown
Property appreciation+$71,730
Loan principal paid down+$27,900
Rental cash flow+$12,000
10-year hold
+$243,366(222.9% ROI)
Projected value
$698,742
Current value$545,856
Return breakdown
Property appreciation+$152,886
Loan principal paid down+$66,480
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
0.50ratio
FMR$2,700
Market$5,410
vs market-$2,710

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

0.50
1 BR
1 BR
0.41ratio
FMR$3,220
Market$7,910
vs market-$4,690

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

0.41
2 BR
2 BR
0.28ratio
FMR$3,720
Market$13,320
vs market-$9,600

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

0.28
3 BR
3 BR
0.43ratio
FMR$4,830
Market$11,340
vs market-$6,510

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

0.43
4 BR
4 BR
0.34ratio
FMR$5,100
Market$15,100
vs market-$10,000

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

0.34
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 11963 (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.

11963 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11963 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,720 and the 4 bedroom fair market rent is $5,100.

Use this page for searches like 11963 FMR, 11963 fair market rent, and 11963 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 11963
Bedroom sizeHUD FMR
Studio$2,700
1 bedroom$3,220
2 bedroom$3,720
3 bedroom$4,830
4 bedroom$5,100