11975
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$2,580$2,840
1 BR$3,080$3,390
2 BR$3,550$3,910
3 BR$4,610$5,070
4 BR$4,880$5,370
5 BR$5,612
6 BR$6,454
7 BR$7,422
8 BR$8,535

Purchase Price Calculator

Maximum purchase price
$519,108

Cost breakdown

+Likely effective rent$3,910
HUD FMR$3,550
Market rent$11,200
Est. payment standard (110%)Used$3,910
Estimated payment standard is $3,910 (110% of FMR).
-Principal and interest-$2,625
Loan amount$415,286
Down payment$103,822
Rate6.50%
Term30 years
-Operating costs-$1,085
Property taxes-$519
Insurance-$175
Utilities$0
HOA$0
Management-$391
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$61,993(59.7% ROI)
Projected value
$559,022
Current value$519,108
Return breakdown
Property appreciation+$39,915
Loan principal paid down+$14,879
Rental cash flow+$7,200
5-year hold
+$106,748(102.8% ROI)
Projected value
$587,323
Current value$519,108
Return breakdown
Property appreciation+$68,215
Loan principal paid down+$26,533
Rental cash flow+$12,000
10-year hold
+$232,617(224.1% ROI)
Projected value
$664,502
Current value$519,108
Return breakdown
Property appreciation+$145,394
Loan principal paid down+$63,223
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
0.24ratio
FMR$2,580
Market$10,910
vs market-$8,330

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

0.24
1 BR
1 BR
0.27ratio
FMR$3,080
Market$11,470
vs market-$8,390

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

0.27
2 BR
2 BR
0.32ratio
FMR$3,550
Market$11,200
vs market-$7,650

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

0.32
3 BR
3 BR
0.36ratio
FMR$4,610
Market$12,660
vs market-$8,050

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

0.36
4 BR
4 BR
0.33ratio
FMR$4,880
Market$14,910
vs market-$10,030

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

0.33
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 11975 (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.

11975 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11975 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,550 and the 4 bedroom fair market rent is $4,880.

Use this page for searches like 11975 FMR, 11975 fair market rent, and 11975 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 11975
Bedroom sizeHUD FMR
Studio$2,580
1 bedroom$3,080
2 bedroom$3,550
3 bedroom$4,610
4 bedroom$4,880