12472
ZIPSAFMR
Ulster County, NY
BRFMR
Eff. Rent
0 BR$1,240$1,360
1 BR$1,240$1,360
2 BR$1,620$1,780
3 BR$2,060$2,270
4 BR$2,220$2,440
5 BR$2,553
6 BR$2,936
7 BR$3,376
8 BR$3,883

Purchase Price Calculator

Maximum purchase price
$202,591

Cost breakdown

+Likely effective rent$1,780
HUD FMR$1,620
Market rent$2,840
Est. payment standard (110%)Used$1,780
Estimated payment standard is $1,780 (110% of FMR).
-Principal and interest-$1,024
Loan amount$162,073
Down payment$40,518
Rate6.50%
Term30 years
-Operating costs-$556
Property taxes-$203
Insurance-$175
Utilities$0
HOA$0
Management-$178
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,584(70.5% ROI)
Projected value
$218,168
Current value$202,591
Return breakdown
Property appreciation+$15,577
Loan principal paid down+$5,807
Rental cash flow+$7,200
5-year hold
+$48,977(120.9% ROI)
Projected value
$229,213
Current value$202,591
Return breakdown
Property appreciation+$26,622
Loan principal paid down+$10,355
Rental cash flow+$12,000
10-year hold
+$105,416(260.2% ROI)
Projected value
$259,333
Current value$202,591
Return breakdown
Property appreciation+$56,743
Loan principal paid down+$24,674
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
0.58ratio
FMR$1,240
Market$2,150
vs market-$910

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

90% standard$1,116 / 0.52 ratio110% standard$1,364 / 0.63 ratio
0.58
1 BR
1 BR
0.54ratio
FMR$1,240
Market$2,280
vs market-$1,040

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

0.54
2 BR
2 BR
0.57ratio
FMR$1,620
Market$2,840
vs market-$1,220

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

90% standard$1,458 / 0.51 ratio110% standard$1,782 / 0.63 ratio
0.57
3 BR
3 BR
0.68ratio
FMR$2,060
Market$3,040
vs market-$980

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

90% standard$1,854 / 0.61 ratio110% standard$2,266 / 0.75 ratio
0.68
4 BR
4 BR
0.64ratio
FMR$2,220
Market$3,480
vs market-$1,260

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

90% standard$1,998 / 0.57 ratio110% standard$2,442 / 0.70 ratio
0.64
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 12472 (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.

12472 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12472 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,620 and the 4 bedroom fair market rent is $2,220.

Use this page for searches like 12472 FMR, 12472 fair market rent, and 12472 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 12472
Bedroom sizeHUD FMR
Studio$1,240
1 bedroom$1,240
2 bedroom$1,620
3 bedroom$2,060
4 bedroom$2,220