12010
ZIPSAFMR
Saratoga County, NY
BRFMR
Eff. Rent
0 BR$970$1,040
1 BR$1,110$1,010
2 BR$1,340$1,280
3 BR$1,620$1,630
4 BR$1,780$1,660
5 BR$2,047
6 BR$2,354
7 BR$2,707
8 BR$3,113

Purchase Price Calculator

Maximum purchase price
$128,291

Cost breakdown

+Likely effective rent$1,280
HUD FMR$1,340
Market rentUsed$1,280
Est. payment standard (97%)$1,300
Market rent is below the inferred standard ($1,300, 97% of FMR).
-Principal and interest-$649
Loan amount$102,633
Down payment$25,658
Rate6.50%
Term30 years
-Operating costs-$431
Property taxes-$128
Insurance-$175
Utilities$0
HOA$0
Management-$128
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,741(80.8% ROI)
Projected value
$138,155
Current value$128,291
Return breakdown
Property appreciation+$9,864
Loan principal paid down+$3,677
Rental cash flow+$7,200
5-year hold
+$35,416(138.0% ROI)
Projected value
$145,149
Current value$128,291
Return breakdown
Property appreciation+$16,858
Loan principal paid down+$6,557
Rental cash flow+$12,000
10-year hold
+$75,557(294.5% ROI)
Projected value
$164,223
Current value$128,291
Return breakdown
Property appreciation+$35,932
Loan principal paid down+$15,625
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
0.91ratio
FMR$970
Market$1,070
vs market-$100

FMR is near market; voucher and private rents are aligned.

90% standard$873 / 0.82 ratio110% standard$1,067 / 1.00 ratio
0.91
1 BR
1 BR
1.10ratio
FMR$1,110
Market$1,010
vs market+$100

FMR is near market; voucher and private rents are aligned.

90% standard$999 / 0.99 ratio110% standard$1,221 / 1.21 ratio
1.10
2 BR
2 BR
1.05ratio
FMR$1,340
Market$1,280
vs market+$60

FMR is near market; voucher and private rents are aligned.

90% standard$1,206 / 0.94 ratio110% standard$1,474 / 1.15 ratio
1.05
3 BR
3 BR
0.99ratio
FMR$1,620
Market$1,640
vs market-$20

FMR is near market; voucher and private rents are aligned.

90% standard$1,458 / 0.89 ratio110% standard$1,782 / 1.09 ratio
0.99
4 BR
4 BR
1.07ratio
FMR$1,780
Market$1,660
vs market+$120

FMR is near market; voucher and private rents are aligned.

90% standard$1,602 / 0.97 ratio110% standard$1,958 / 1.18 ratio
1.07
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across 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 12010 (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.

12010 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12010 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,340 and the 4 bedroom fair market rent is $1,780.

Use this page for searches like 12010 FMR, 12010 fair market rent, and 12010 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 12010
Bedroom sizeHUD FMR
Studio$970
1 bedroom$1,110
2 bedroom$1,340
3 bedroom$1,620
4 bedroom$1,780