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Columbia County/Niverville/12130

12130

ZIPSAFMR
Columbia County, NY
Zillow

ZIP Investment Score

79Below average

095130300
BRFMR
Eff. Rent
0 BR$1,140$1,250
1 BR$1,180$1,300
2 BR$1,360$1,500
3 BR$1,660$1,830
4 BR$1,790$1,970
5 BR$2,059Not available
6 BR$2,367Not available
7 BR$2,722Not available
8 BR$3,131Not available

Purchase Price Calculator

Maximum purchase price
$160,983

Cost breakdown

+Likely effective rent$1,500
HUD FMR$1,360
Market rent$2,350
Est. payment standard (110%)Used$1,500
-Principal and interest-$814
Loan amount$128,786
Down payment$32,197
Rate6.50%
Term30 years
-Operating costs-$486
Property taxes-$161
Insurance-$175
Utilities$0
HOA$0
Management-$150
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,192(75.1% ROI)
Projected value
$173,361
Return breakdown
Property appreciation+$12,378
Loan principal paid down+$4,614
Rental cash flow+$7,200
5-year hold
+$41,383(128.5% ROI)
Projected value
$182,137
Return breakdown
Property appreciation+$21,154
Loan principal paid down+$8,228
Rental cash flow+$12,000
10-year hold
+$88,695(275.5% ROI)
Projected value
$206,072
Return breakdown
Property appreciation+$45,089
Loan principal paid down+$19,606
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.62
1 BR
0.62
2 BR
0.58
3 BR
0.61
4 BR
0.69
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12130 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12130 (Niverville, NY) is $1,360 a month. That is up 2.3% from $1,330 in FY 2026. Niverville is in the Columbia 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 $1,503. Among 41 ZIP codes in Columbia County, 12130 is tied for the 34th-highest two-bedroom rent (county range $1,300–$2,250). The median county two-bedroom FMR in New York is $1,385, so ZIP 12130 is 2% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12130
BedroomsFY 2027Change90–110% range
Studio$1,140−1.7%$1,026–$1,254
1BR$1,180+0.9%$1,062–$1,298
2BR$1,360+2.3%$1,224–$1,496
3BR$1,660+3.8%$1,494–$1,826
4BR$1,790+1.7%$1,611–$1,969

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12130
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,140$1,180$1,360$1,660$1,790
FY 2026$1,160$1,170$1,330$1,600$1,760
FY 2025$1,100$1,100$1,260$1,520$1,670
FY 2024area FMR$1,032$1,042$1,190$1,439$1,585
FY 2023area FMR$913$952$1,107$1,392$1,487

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

Two-bedroom rent in nearby Columbia County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12130
12106$1,430+5.1%
12115$1,3600.0%
12123$1,540+13.2%
12125$1,300−4.4%
12130Current$1,360—
12132$1,3600.0%
12136$1,730+27.2%
12156$1,650+21.3%
12165$1,300−4.4%
12168$1,650+21.3%
12172$1,680+23.5%
12173$1,390+2.2%

Questions about ZIP 12130 rents

How much will Section 8 pay for a two-bedroom in ZIP 12130?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,503, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,353 to $1,653 a month; under the ZIP-level Small Area FMR of $1,360 it would be $1,224 to $1,496. 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 12130 in?

ZIP 12130 is in the Columbia County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,503.

How much did fair market rent change in ZIP 12130 for FY 2027?

The two-bedroom FMR rose 2.3%, from $1,330 in FY 2026 to $1,360 in FY 2027. Since FY 2025 it has risen 7.9%.

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