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Greene County/Coxsackie/12051

12051

ZIPSAFMR
Greene County, NY
Zillow

ZIP Investment Score

77Below average

095130300
BRFMR
Eff. Rent
0 BR$910$1,000
1 BR$1,010$1,110
2 BR$1,240$1,360
3 BR$1,640$1,800
4 BR$1,870$2,060
5 BR$2,151Not available
6 BR$2,473Not available
7 BR$2,844Not available
8 BR$3,271Not available

Purchase Price Calculator

Maximum purchase price
$140,179

Cost breakdown

+Likely effective rent$1,360
HUD FMR$1,240
Market rent$2,300
Est. payment standard (110%)Used$1,360
-Principal and interest-$709
Loan amount$112,143
Down payment$28,036
Rate6.50%
Term30 years
-Operating costs-$451
Property taxes-$140
Insurance-$175
Utilities$0
HOA$0
Management-$136
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,996(78.5% ROI)
Projected value
$150,957
Return breakdown
Property appreciation+$10,778
Loan principal paid down+$4,018
Rental cash flow+$7,200
5-year hold
+$37,586(134.1% ROI)
Projected value
$158,600
Return breakdown
Property appreciation+$18,421
Loan principal paid down+$7,165
Rental cash flow+$12,000
10-year hold
+$80,334(286.5% ROI)
Projected value
$179,441
Return breakdown
Property appreciation+$39,262
Loan principal paid down+$17,073
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.46
1 BR
0.49
2 BR
0.54
3 BR
0.67
4 BR
0.72
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12051 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12051 (Coxsackie, NY) is $1,240 a month. That is up 1.6% from $1,220 in FY 2026. Coxsackie is in the Greene County, NY non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,354. Among 43 ZIP codes in Greene County, 12051 is tied for the 37th-highest two-bedroom rent (county range $1,240–$1,750). The median county two-bedroom FMR in New York is $1,385, so ZIP 12051 is 10% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12051
BedroomsFY 2027Change90–110% range
Studio$910−1.1%$819–$1,001
1BR$1,010+2.0%$909–$1,111
2BR$1,240+1.6%$1,116–$1,364
3BR$1,640+1.9%$1,476–$1,804
4BR$1,870+1.6%$1,683–$2,057

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12051
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$910$1,010$1,240$1,640$1,870
FY 2026$920$990$1,220$1,610$1,840
FY 2025$940$990$1,170$1,600$1,750
FY 2024area FMR$926$965$1,155$1,517$1,587
FY 2023area FMR$883$931$1,123$1,407$1,509

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Greene County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12051
12015$1,450+16.9%
12042$1,350+8.9%
12046$1,540+24.2%
12051Current$1,240—
12058$1,350+8.9%
12083$1,540+24.2%
12087$1,540+24.2%
12120$1,740+40.3%
12124$1,350+8.9%
12143$1,540+24.2%
12176$1,350+8.9%
12192$1,350+8.9%

Questions about ZIP 12051 rents

How much will Section 8 pay for a two-bedroom in ZIP 12051?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,354, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,219 to $1,489 a month; under the ZIP-level Small Area FMR of $1,240 it would be $1,116 to $1,364. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 12051 in?

ZIP 12051 is in the Greene County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,354.

How much did fair market rent change in ZIP 12051 for FY 2027?

The two-bedroom FMR rose 1.6%, from $1,220 in FY 2026 to $1,240 in FY 2027. Since FY 2025 it has risen 6.0%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentCoxsackie, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources