12307
ZIPSAFMR
Schenectady County, NY
BRFMR
Eff. Rent
0 BR$1,110$1,170
1 BR$1,290$1,290
2 BR$1,550$1,620
3 BR$1,860$1,760
4 BR$2,050$1,900
5 BR$2,358
6 BR$2,711
7 BR$3,118
8 BR$3,585

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMR$1,550
Market rent$1,650
Est. payment standard (104%)Used$1,620
Estimated payment standard is $1,620 (104% of FMR).
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Current value$178,815
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Current value$178,815
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Current value$178,815
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
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
0.93ratio
FMR$1,110
Market$1,200
vs market-$90

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

90% standard$999 / 0.83 ratio110% standard$1,221 / 1.02 ratio
0.93
1 BR
1 BR
1.00ratio
FMR$1,290
Market$1,290
vs market+$0

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

90% standard$1,161 / 0.90 ratio110% standard$1,419 / 1.10 ratio
1.00
2 BR
2 BR
0.94ratio
FMR$1,550
Market$1,650
vs market-$100

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

90% standard$1,395 / 0.85 ratio110% standard$1,705 / 1.03 ratio
0.94
3 BR
3 BR
1.06ratio
FMR$1,860
Market$1,760
vs market+$100

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

90% standard$1,674 / 0.95 ratio110% standard$2,046 / 1.16 ratio
1.06
4 BR
4 BR
1.08ratio
FMR$2,050
Market$1,900
vs market+$150

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

90% standard$1,845 / 0.97 ratio110% standard$2,255 / 1.19 ratio
1.08
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 12307 (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.

12307 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12307 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,550 and the 4 bedroom fair market rent is $2,050.

Use this page for searches like 12307 FMR, 12307 fair market rent, and 12307 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 12307
Bedroom sizeHUD FMR
Studio$1,110
1 bedroom$1,290
2 bedroom$1,550
3 bedroom$1,860
4 bedroom$2,050