12211
ZIPSAFMR
Albany County, NY
BRFMR
Eff. Rent
0 BR$1,610$1,640
1 BR$1,870$1,810
2 BR$2,250$2,010
3 BR$2,700$2,550
4 BR$2,980$2,970
5 BR$3,427
6 BR$3,941
7 BR$4,532
8 BR$5,212

Purchase Price Calculator

Maximum purchase price
$236,769

Cost breakdown

+Likely effective rent$2,010
HUD FMR$2,250
Market rentUsed$2,010
Est. payment standard (93%)$2,090
Market rent is below the inferred standard ($2,090, 93% of FMR).
-Principal and interest-$1,197
Loan amount$189,415
Down payment$47,354
Rate6.50%
Term30 years
-Operating costs-$613
Property taxes-$237
Insurance-$175
Utilities$0
HOA$0
Management-$201
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,192(68.0% ROI)
Projected value
$254,974
Current value$236,769
Return breakdown
Property appreciation+$18,205
Loan principal paid down+$6,786
Rental cash flow+$7,200
5-year hold
+$55,215(116.6% ROI)
Projected value
$267,882
Current value$236,769
Return breakdown
Property appreciation+$31,113
Loan principal paid down+$12,102
Rental cash flow+$12,000
10-year hold
+$119,152(251.6% ROI)
Projected value
$303,084
Current value$236,769
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
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
0.98ratio
FMR$1,610
Market$1,650
vs market-$40

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

90% standard$1,449 / 0.88 ratio110% standard$1,771 / 1.07 ratio
0.98
1 BR
1 BR
1.03ratio
FMR$1,870
Market$1,810
vs market+$60

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

90% standard$1,683 / 0.93 ratio110% standard$2,057 / 1.14 ratio
1.03
2 BR
2 BR
1.12ratio
FMR$2,250
Market$2,010
vs market+$240

FMR is above market; underwrite to market rent.

90% standard$2,025 / 1.01 ratio110% standard$2,475 / 1.23 ratio
1.12
3 BR
3 BR
1.06ratio
FMR$2,700
Market$2,550
vs market+$150

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

90% standard$2,430 / 0.95 ratio110% standard$2,970 / 1.16 ratio
1.06
4 BR
4 BR
1.00ratio
FMR$2,980
Market$2,970
vs market+$10

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

90% standard$2,682 / 0.90 ratio110% standard$3,278 / 1.10 ratio
1.00
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 12211 (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.

12211 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12211 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,250 and the 4 bedroom fair market rent is $2,980.

Use this page for searches like 12211 FMR, 12211 fair market rent, and 12211 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 12211
Bedroom sizeHUD FMR
Studio$1,610
1 bedroom$1,870
2 bedroom$2,250
3 bedroom$2,700
4 bedroom$2,980