11978
ZIPSAFMR
Suffolk County, NY
BRFMR
Eff. Rent
0 BR$1,960$2,160
1 BR$2,340$2,570
2 BR$2,700$2,970
3 BR$3,500$3,850
4 BR$3,700$4,070
5 BR$4,255
6 BR$4,893
7 BR$5,627
8 BR$6,471

Purchase Price Calculator

Maximum purchase price
$379,424

Cost breakdown

+Likely effective rent$2,970
HUD FMR$2,700
Market rent$4,800
Est. payment standard (110%)Used$2,970
Estimated payment standard is $2,970 (110% of FMR).
-Principal and interest-$1,919
Loan amount$303,539
Down payment$75,885
Rate6.50%
Term30 years
-Operating costs-$851
Property taxes-$379
Insurance-$175
Utilities$0
HOA$0
Management-$297
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$47,249(62.3% ROI)
Projected value
$408,598
Current value$379,424
Return breakdown
Property appreciation+$29,174
Loan principal paid down+$10,875
Rental cash flow+$7,200
5-year hold
+$81,253(107.1% ROI)
Projected value
$429,284
Current value$379,424
Return breakdown
Property appreciation+$49,859
Loan principal paid down+$19,393
Rental cash flow+$12,000
10-year hold
+$176,481(232.6% ROI)
Projected value
$485,695
Current value$379,424
Return breakdown
Property appreciation+$106,271
Loan principal paid down+$46,210
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.59ratio
FMR$1,960
Market$3,300
vs market-$1,340

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

90% standard$1,764 / 0.53 ratio110% standard$2,156 / 0.65 ratio
0.59
1 BR
1 BR
0.54ratio
FMR$2,340
Market$4,340
vs market-$2,000

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

0.54
2 BR
2 BR
0.56ratio
FMR$2,700
Market$4,800
vs market-$2,100

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

90% standard$2,430 / 0.51 ratio110% standard$2,970 / 0.62 ratio
0.56
3 BR
3 BR
0.30ratio
FMR$3,500
Market$11,590
vs market-$8,090

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

0.30
4 BR
4 BR
0.28ratio
FMR$3,700
Market$13,150
vs market-$9,450

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

0.28
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 11978 (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.

11978 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 11978 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,700 and the 4 bedroom fair market rent is $3,700.

Use this page for searches like 11978 FMR, 11978 fair market rent, and 11978 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 11978
Bedroom sizeHUD FMR
Studio$1,960
1 bedroom$2,340
2 bedroom$2,700
3 bedroom$3,500
4 bedroom$3,700