12448
ZIPSAFMR
Ulster County, NY
BRFMR
Eff. Rent
0 BR$1,300$1,430
1 BR$1,390$1,530
2 BR$1,820$2,000
3 BR$2,250$2,480
4 BR$2,410$2,650
5 BR$2,772
6 BR$3,187
7 BR$3,665
8 BR$4,215

Purchase Price Calculator

Maximum purchase price
$235,283

Cost breakdown

+Likely effective rent$2,000
HUD FMR$1,820
Market rent$3,210
Est. payment standard (110%)Used$2,000
Estimated payment standard is $2,000 (110% of FMR).
-Principal and interest-$1,190
Loan amount$188,226
Down payment$47,057
Rate6.50%
Term30 years
-Operating costs-$610
Property taxes-$235
Insurance-$175
Utilities$0
HOA$0
Management-$200
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,035(68.1% ROI)
Projected value
$253,374
Current value$235,283
Return breakdown
Property appreciation+$18,091
Loan principal paid down+$6,744
Rental cash flow+$7,200
5-year hold
+$54,944(116.8% ROI)
Projected value
$266,201
Current value$235,283
Return breakdown
Property appreciation+$30,918
Loan principal paid down+$12,026
Rental cash flow+$12,000
10-year hold
+$118,554(251.9% ROI)
Projected value
$301,182
Current value$235,283
Return breakdown
Property appreciation+$65,899
Loan principal paid down+$28,655
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
0.53ratio
FMR$1,300
Market$2,430
vs market-$1,130

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

0.53
1 BR
1 BR
0.54ratio
FMR$1,390
Market$2,580
vs market-$1,190

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

0.54
2 BR
2 BR
0.57ratio
FMR$1,820
Market$3,210
vs market-$1,390

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

90% standard$1,638 / 0.51 ratio110% standard$2,002 / 0.62 ratio
0.57
3 BR
3 BR
0.55ratio
FMR$2,250
Market$4,090
vs market-$1,840

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

90% standard$2,025 / 0.50 ratio110% standard$2,475 / 0.61 ratio
0.55
4 BR
4 BR
0.56ratio
FMR$2,410
Market$4,340
vs market-$1,930

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

90% standard$2,169 / 0.50 ratio110% standard$2,651 / 0.61 ratio
0.56
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 12448 (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.

12448 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12448 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,820 and the 4 bedroom fair market rent is $2,410.

Use this page for searches like 12448 FMR, 12448 fair market rent, and 12448 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 12448
Bedroom sizeHUD FMR
Studio$1,300
1 bedroom$1,390
2 bedroom$1,820
3 bedroom$2,250
4 bedroom$2,410