12151
ZIPSAFMR
Saratoga County, NY
BRFMR
Eff. Rent
0 BR$1,640$1,540
1 BR$1,910$1,870
2 BR$2,290$2,200
3 BR$2,750$2,590
4 BR$3,030$3,070
5 BR$3,484
6 BR$4,007
7 BR$4,608
8 BR$5,299

Purchase Price Calculator

Maximum purchase price
$265,003

Cost breakdown

+Likely effective rent$2,200
HUD FMR$2,290
Market rentUsed$2,200
Est. payment standard (97%)$2,230
Market rent is below the inferred standard ($2,230, 97% of FMR).
-Principal and interest-$1,340
Loan amount$212,002
Down payment$53,001
Rate6.50%
Term30 years
-Operating costs-$660
Property taxes-$265
Insurance-$175
Utilities$0
HOA$0
Management-$220
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,172(66.4% ROI)
Projected value
$285,379
Current value$265,003
Return breakdown
Property appreciation+$20,376
Loan principal paid down+$7,596
Rental cash flow+$7,200
5-year hold
+$60,368(113.9% ROI)
Projected value
$299,826
Current value$265,003
Return breakdown
Property appreciation+$34,824
Loan principal paid down+$13,545
Rental cash flow+$12,000
10-year hold
+$130,498(246.2% ROI)
Projected value
$339,226
Current value$265,003
Return breakdown
Property appreciation+$74,223
Loan principal paid down+$32,275
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
1.06ratio
FMR$1,640
Market$1,540
vs market+$100

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

90% standard$1,476 / 0.96 ratio110% standard$1,804 / 1.17 ratio
1.06
1 BR
1 BR
1.02ratio
FMR$1,910
Market$1,870
vs market+$40

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

90% standard$1,719 / 0.92 ratio110% standard$2,101 / 1.12 ratio
1.02
2 BR
2 BR
1.04ratio
FMR$2,290
Market$2,200
vs market+$90

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

90% standard$2,061 / 0.94 ratio110% standard$2,519 / 1.15 ratio
1.04
3 BR
3 BR
1.06ratio
FMR$2,750
Market$2,590
vs market+$160

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

90% standard$2,475 / 0.96 ratio110% standard$3,025 / 1.17 ratio
1.06
4 BR
4 BR
0.98ratio
FMR$3,030
Market$3,090
vs market-$60

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

90% standard$2,727 / 0.88 ratio110% standard$3,333 / 1.08 ratio
0.98
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 12151 (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.

12151 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12151 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,290 and the 4 bedroom fair market rent is $3,030.

Use this page for searches like 12151 FMR, 12151 fair market rent, and 12151 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 12151
Bedroom sizeHUD FMR
Studio$1,640
1 bedroom$1,910
2 bedroom$2,290
3 bedroom$2,750
4 bedroom$3,030