12133
ZIPSAFMR
Rensselaer County, NY
BRFMR
Eff. Rent
0 BR$1,190$1,240
1 BR$1,380$1,380
2 BR$1,660$1,490
3 BR$1,990$1,660
4 BR$2,200$1,670
5 BR$2,530
6 BR$2,909
7 BR$3,346
8 BR$3,848

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,660
Market rentUsed$1,490
Est. payment standard (93%)$1,550
Market rent is below the inferred standard ($1,550, 93% of FMR).
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Current value$159,497
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Current value$159,497
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Current value$159,497
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
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
0.94ratio
FMR$1,190
Market$1,270
vs market-$80

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

90% standard$1,071 / 0.84 ratio110% standard$1,309 / 1.03 ratio
0.94
2 BR
2 BR
1.11ratio
FMR$1,660
Market$1,490
vs market+$170

FMR is above market; underwrite to market rent.

90% standard$1,494 / 1.00 ratio110% standard$1,826 / 1.23 ratio
1.11
3 BR
3 BR
1.20ratio
FMR$1,990
Market$1,660
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$1,791 / 1.08 ratio110% standard$2,189 / 1.32 ratio
1.20
4 BR
4 BR
1.32ratio
FMR$2,200
Market$1,670
vs market+$530

FMR is above market; underwrite to market rent.

90% standard$1,980 / 1.19 ratio110% standard$2,420 / 1.45 ratio
1.32
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger 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 12133 (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.

12133 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12133 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,660 and the 4 bedroom fair market rent is $2,200.

Use this page for searches like 12133 FMR, 12133 fair market rent, and 12133 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 12133
Bedroom sizeHUD FMR
Studio$1,190
1 bedroom$1,380
2 bedroom$1,660
3 bedroom$1,990
4 bedroom$2,200