12019
ZIPSAFMR
Schenectady County, NY
BRFMR
Eff. Rent
0 BR$1,220$1,340
1 BR$1,410$1,520
2 BR$1,700$1,870
3 BR$2,040$2,240
4 BR$2,250$2,480
5 BR$2,588
6 BR$2,976
7 BR$3,422
8 BR$3,935

Purchase Price Calculator

Maximum purchase price
$215,965

Cost breakdown

+Likely effective rent$1,870
HUD FMR$1,700
Market rent$2,000
Est. payment standard (110%)Used$1,870
Estimated payment standard is $1,870 (110% of FMR).
-Principal and interest-$1,092
Loan amount$172,772
Down payment$43,193
Rate6.50%
Term30 years
-Operating costs-$578
Property taxes-$216
Insurance-$175
Utilities$0
HOA$0
Management-$187
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,996(69.4% ROI)
Projected value
$232,570
Current value$215,965
Return breakdown
Property appreciation+$16,606
Loan principal paid down+$6,190
Rental cash flow+$7,200
5-year hold
+$51,418(119.0% ROI)
Projected value
$244,344
Current value$215,965
Return breakdown
Property appreciation+$28,380
Loan principal paid down+$11,038
Rental cash flow+$12,000
10-year hold
+$110,791(256.5% ROI)
Projected value
$276,453
Current value$215,965
Return breakdown
Property appreciation+$60,488
Loan principal paid down+$26,303
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
0.75ratio
FMR$1,220
Market$1,630
vs market-$410

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

90% standard$1,098 / 0.67 ratio110% standard$1,342 / 0.82 ratio
0.75
1 BR
1 BR
0.89ratio
FMR$1,410
Market$1,580
vs market-$170

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

90% standard$1,269 / 0.80 ratio110% standard$1,551 / 0.98 ratio
0.89
2 BR
2 BR
0.85ratio
FMR$1,700
Market$2,000
vs market-$300

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

90% standard$1,530 / 0.77 ratio110% standard$1,870 / 0.94 ratio
0.85
3 BR
3 BR
0.77ratio
FMR$2,040
Market$2,650
vs market-$610

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

90% standard$1,836 / 0.69 ratio110% standard$2,244 / 0.85 ratio
0.77
4 BR
4 BR
0.71ratio
FMR$2,250
Market$3,180
vs market-$930

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

90% standard$2,025 / 0.64 ratio110% standard$2,475 / 0.78 ratio
0.71
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 12019 (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.

12019 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12019 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,700 and the 4 bedroom fair market rent is $2,250.

Use this page for searches like 12019 FMR, 12019 fair market rent, and 12019 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 12019
Bedroom sizeHUD FMR
Studio$1,220
1 bedroom$1,410
2 bedroom$1,700
3 bedroom$2,040
4 bedroom$2,250