12095
ZIPSAFMR
Montgomery County, NY
BRFMR
Eff. Rent
0 BR$810$870
1 BR$810$890
2 BR$1,060$1,140
3 BR$1,270$1,350
4 BR$1,430$1,490
5 BR$1,644
6 BR$1,891
7 BR$2,175
8 BR$2,501

Purchase Price Calculator

Maximum purchase price
$107,487

Cost breakdown

+Likely effective rent$1,140
HUD FMR$1,060
Market rent$1,190
Est. payment standard (108%)Used$1,140
Estimated payment standard is $1,140 (108% of FMR).
-Principal and interest-$544
Loan amount$85,990
Down payment$21,497
Rate6.50%
Term30 years
-Operating costs-$396
Property taxes-$107
Insurance-$175
Utilities$0
HOA$0
Management-$114
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$18,546(86.3% ROI)
Projected value
$115,752
Current value$107,487
Return breakdown
Property appreciation+$8,265
Loan principal paid down+$3,081
Rental cash flow+$7,200
5-year hold
+$31,619(147.1% ROI)
Projected value
$121,612
Current value$107,487
Return breakdown
Property appreciation+$14,125
Loan principal paid down+$5,494
Rental cash flow+$12,000
10-year hold
+$67,196(312.6% ROI)
Projected value
$137,592
Current value$107,487
Return breakdown
Property appreciation+$30,105
Loan principal paid down+$13,091
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
0.90ratio
FMR$810
Market$900
vs market-$90

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

90% standard$729 / 0.81 ratio110% standard$891 / 0.99 ratio
0.90
1 BR
1 BR
0.85ratio
FMR$810
Market$950
vs market-$140

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

90% standard$729 / 0.77 ratio110% standard$891 / 0.94 ratio
0.85
2 BR
2 BR
0.89ratio
FMR$1,060
Market$1,190
vs market-$130

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

90% standard$954 / 0.80 ratio110% standard$1,166 / 0.98 ratio
0.89
3 BR
3 BR
0.91ratio
FMR$1,270
Market$1,400
vs market-$130

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

90% standard$1,143 / 0.82 ratio110% standard$1,397 / 1.00 ratio
0.91
4 BR
4 BR
0.94ratio
FMR$1,430
Market$1,520
vs market-$90

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

90% standard$1,287 / 0.85 ratio110% standard$1,573 / 1.03 ratio
0.94
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 12095 (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.

12095 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12095 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,060 and the 4 bedroom fair market rent is $1,430.

Use this page for searches like 12095 FMR, 12095 fair market rent, and 12095 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 12095
Bedroom sizeHUD FMR
Studio$810
1 bedroom$810
2 bedroom$1,060
3 bedroom$1,270
4 bedroom$1,430