12207
ZIPSAFMR
Albany County, NY
BRFMR
Eff. Rent
0 BR$1,410$1,220
1 BR$1,640$1,340
2 BR$1,970$1,520
3 BR$2,360$1,960
4 BR$2,610$1,850
5 BR$3,001
6 BR$3,452
7 BR$3,969
8 BR$4,565

Purchase Price Calculator

Maximum purchase price
$163,955

Cost breakdown

+Likely effective rent$1,520
HUD FMR$1,970
Market rentUsed$1,520
Est. payment standard (90%)$1,770
Market rent is below the inferred standard ($1,770, 90% of FMR).
-Principal and interest-$829
Loan amount$131,164
Down payment$32,791
Rate6.50%
Term30 years
-Operating costs-$491
Property taxes-$164
Insurance-$175
Utilities$0
HOA$0
Management-$152
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,506(74.7% ROI)
Projected value
$176,561
Current value$163,955
Return breakdown
Property appreciation+$12,607
Loan principal paid down+$4,699
Rental cash flow+$7,200
5-year hold
+$41,925(127.9% ROI)
Projected value
$185,500
Current value$163,955
Return breakdown
Property appreciation+$21,545
Loan principal paid down+$8,380
Rental cash flow+$12,000
10-year hold
+$89,889(274.1% ROI)
Projected value
$209,876
Current value$163,955
Return breakdown
Property appreciation+$45,921
Loan principal paid down+$19,968
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
1.16ratio
FMR$1,410
Market$1,220
vs market+$190

FMR is above market; underwrite to market rent.

90% standard$1,269 / 1.04 ratio110% standard$1,551 / 1.27 ratio
1.16
1 BR
1 BR
1.22ratio
FMR$1,640
Market$1,340
vs market+$300

FMR is above market; underwrite to market rent.

90% standard$1,476 / 1.10 ratio110% standard$1,804 / 1.35 ratio
1.22
2 BR
2 BR
1.30ratio
FMR$1,970
Market$1,520
vs market+$450

FMR is above market; underwrite to market rent.

90% standard$1,773 / 1.17 ratio110% standard$2,167 / 1.43 ratio
1.30
3 BR
3 BR
1.20ratio
FMR$2,360
Market$1,960
vs market+$400

FMR is above market; underwrite to market rent.

90% standard$2,124 / 1.08 ratio110% standard$2,596 / 1.32 ratio
1.20
4 BR
4 BR
1.41ratio
FMR$2,610
Market$1,850
vs market+$760

FMR is above market; underwrite to market rent.

90% standard$2,349 / 1.27 ratio110% standard$2,871 / 1.55 ratio
1.41
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed 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 12207 (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.

12207 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12207 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,970 and the 4 bedroom fair market rent is $2,610.

Use this page for searches like 12207 FMR, 12207 fair market rent, and 12207 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 12207
Bedroom sizeHUD FMR
Studio$1,410
1 bedroom$1,640
2 bedroom$1,970
3 bedroom$2,360
4 bedroom$2,610