12433
ZIPSAFMR
Ulster County, NY
BRFMR
Eff. Rent
0 BR$1,540$1,690
1 BR$1,630$1,790
2 BR$2,140$2,350
3 BR$2,650$2,920
4 BR$2,840$3,120
5 BR$3,266
6 BR$3,756
7 BR$4,319
8 BR$4,967

Purchase Price Calculator

Maximum purchase price
$287,293

Cost breakdown

+Likely effective rent$2,350
HUD FMR$2,140
Market rent$3,150
Est. payment standard (110%)Used$2,350
Estimated payment standard is $2,350 (110% of FMR).
-Principal and interest-$1,453
Loan amount$229,834
Down payment$57,459
Rate6.50%
Term30 years
-Operating costs-$697
Property taxes-$287
Insurance-$175
Utilities$0
HOA$0
Management-$235
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,525(65.3% ROI)
Projected value
$309,383
Current value$287,293
Return breakdown
Property appreciation+$22,090
Loan principal paid down+$8,234
Rental cash flow+$7,200
5-year hold
+$64,437(112.1% ROI)
Projected value
$325,045
Current value$287,293
Return breakdown
Property appreciation+$37,753
Loan principal paid down+$14,684
Rental cash flow+$12,000
10-year hold
+$139,456(242.7% ROI)
Projected value
$367,759
Current value$287,293
Return breakdown
Property appreciation+$80,466
Loan principal paid down+$34,990
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
0.72ratio
FMR$1,540
Market$2,150
vs market-$610

FMR is below market; voucher rent may lag private rents.

90% standard$1,386 / 0.64 ratio110% standard$1,694 / 0.79 ratio
0.72
1 BR
1 BR
0.67ratio
FMR$1,630
Market$2,450
vs market-$820

FMR is below market; voucher rent may lag private rents.

90% standard$1,467 / 0.60 ratio110% standard$1,793 / 0.73 ratio
0.67
2 BR
2 BR
0.68ratio
FMR$2,140
Market$3,150
vs market-$1,010

FMR is below market; voucher rent may lag private rents.

90% standard$1,926 / 0.61 ratio110% standard$2,354 / 0.75 ratio
0.68
3 BR
3 BR
0.70ratio
FMR$2,650
Market$3,760
vs market-$1,110

FMR is below market; voucher rent may lag private rents.

90% standard$2,385 / 0.63 ratio110% standard$2,915 / 0.78 ratio
0.70
4 BR
4 BR
0.63ratio
FMR$2,840
Market$4,540
vs market-$1,700

FMR is below market; voucher rent may lag private rents.

90% standard$2,556 / 0.56 ratio110% standard$3,124 / 0.69 ratio
0.63
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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 12433 (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.

12433 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12433 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,140 and the 4 bedroom fair market rent is $2,840.

Use this page for searches like 12433 FMR, 12433 fair market rent, and 12433 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 12433
Bedroom sizeHUD FMR
Studio$1,540
1 bedroom$1,630
2 bedroom$2,140
3 bedroom$2,650
4 bedroom$2,840