12054
ZIPSAFMR
Albany County, NY
BRFMR
Eff. Rent
0 BR$1,570$1,550
1 BR$1,820$1,590
2 BR$2,190$2,010
3 BR$2,630$2,470
4 BR$2,900$2,490
5 BR$3,335
6 BR$3,835
7 BR$4,411
8 BR$5,072

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.01ratio
FMR$1,570
Market$1,550
vs market+$20

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.01
1 BR
1 BR
1.14ratio
FMR$1,820
Market$1,590
vs market+$230

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.14
2 BR
2 BR
1.09ratio
FMR$2,190
Market$2,010
vs market+$180

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.09
3 BR
3 BR
1.06ratio
FMR$2,630
Market$2,470
vs market+$160

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.06
4 BR
4 BR
1.16ratio
FMR$2,900
Market$2,490
vs market+$410

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.16
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$263,517
Rent
$2,190
Down payment
$52,703
Loan
$210,813
Mortgage
$1,332
Expenses
$658
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 12054 (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.