12206
ZIPSAFMR
Albany County, NY
BRFMR
Eff. Rent
0 BR$1,210$1,180
1 BR$1,410$1,440
2 BR$1,690$1,810
3 BR$2,030$2,090
4 BR$2,240$2,310
5 BR$2,576
6 BR$2,962
7 BR$3,407
8 BR$3,918

Purchase Price Calculator

Maximum purchase price
$207,049

Cost breakdown

+Likely effective rent$1,810
HUD FMR$1,690
Market rent$1,870
Est. payment standard (107%)Used$1,810
Estimated payment standard is $1,810 (107% of FMR).
-Principal and interest-$1,047
Loan amount$165,639
Down payment$41,410
Rate6.50%
Term30 years
-Operating costs-$563
Property taxes-$207
Insurance-$175
Utilities$0
HOA$0
Management-$181
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,055(70.2% ROI)
Projected value
$222,969
Current value$207,049
Return breakdown
Property appreciation+$15,920
Loan principal paid down+$5,934
Rental cash flow+$7,200
5-year hold
+$49,791(120.2% ROI)
Projected value
$234,257
Current value$207,049
Return breakdown
Property appreciation+$27,208
Loan principal paid down+$10,583
Rental cash flow+$12,000
10-year hold
+$107,208(258.9% ROI)
Projected value
$265,040
Current value$207,049
Return breakdown
Property appreciation+$57,991
Loan principal paid down+$25,217
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
1.03ratio
FMR$1,210
Market$1,180
vs market+$30

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

90% standard$1,089 / 0.92 ratio110% standard$1,331 / 1.13 ratio
1.03
1 BR
1 BR
0.97ratio
FMR$1,410
Market$1,460
vs market-$50

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

90% standard$1,269 / 0.87 ratio110% standard$1,551 / 1.06 ratio
0.97
2 BR
2 BR
0.90ratio
FMR$1,690
Market$1,870
vs market-$180

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

90% standard$1,521 / 0.81 ratio110% standard$1,859 / 0.99 ratio
0.90
3 BR
3 BR
0.96ratio
FMR$2,030
Market$2,120
vs market-$90

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

90% standard$1,827 / 0.86 ratio110% standard$2,233 / 1.05 ratio
0.96
4 BR
4 BR
0.96ratio
FMR$2,240
Market$2,340
vs market-$100

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

90% standard$2,016 / 0.86 ratio110% standard$2,464 / 1.05 ratio
0.96
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 12206 (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.

12206 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12206 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,690 and the 4 bedroom fair market rent is $2,240.

Use this page for searches like 12206 FMR, 12206 fair market rent, and 12206 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 12206
Bedroom sizeHUD FMR
Studio$1,210
1 bedroom$1,410
2 bedroom$1,690
3 bedroom$2,030
4 bedroom$2,240