12485
ZIPSAFMR
Greene County, NY
BRFMR
Eff. Rent
0 BR$1,020$1,120
1 BR$1,130$1,240
2 BR$1,390$1,530
3 BR$1,840$2,020
4 BR$2,100$2,310
5 BR$2,415
6 BR$2,777
7 BR$3,194
8 BR$3,673

Purchase Price Calculator

Maximum purchase price
$165,441

Cost breakdown

+Likely effective rent$1,530
HUD FMR$1,390
Market rent$2,650
Est. payment standard (110%)Used$1,530
Estimated payment standard is $1,530 (110% of FMR).
-Principal and interest-$837
Loan amount$132,353
Down payment$33,088
Rate6.50%
Term30 years
-Operating costs-$493
Property taxes-$165
Insurance-$175
Utilities$0
HOA$0
Management-$153
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,663(74.5% ROI)
Projected value
$178,162
Current value$165,441
Return breakdown
Property appreciation+$12,721
Loan principal paid down+$4,742
Rental cash flow+$7,200
5-year hold
+$42,196(127.5% ROI)
Projected value
$187,181
Current value$165,441
Return breakdown
Property appreciation+$21,740
Loan principal paid down+$8,456
Rental cash flow+$12,000
10-year hold
+$90,487(273.5% ROI)
Projected value
$211,778
Current value$165,441
Return breakdown
Property appreciation+$46,337
Loan principal paid down+$20,149
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
0.45ratio
FMR$1,020
Market$2,260
vs market-$1,240

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

0.45
1 BR
1 BR
0.47ratio
FMR$1,130
Market$2,390
vs market-$1,260

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

0.47
2 BR
2 BR
0.52ratio
FMR$1,390
Market$2,650
vs market-$1,260

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

0.52
3 BR
3 BR
0.69ratio
FMR$1,840
Market$2,650
vs market-$810

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

90% standard$1,656 / 0.62 ratio110% standard$2,024 / 0.76 ratio
0.69
4 BR
4 BR
0.74ratio
FMR$2,100
Market$2,820
vs market-$720

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

90% standard$1,890 / 0.67 ratio110% standard$2,310 / 0.82 ratio
0.74
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 12485 (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.

12485 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12485 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,390 and the 4 bedroom fair market rent is $2,100.

Use this page for searches like 12485 FMR, 12485 fair market rent, and 12485 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 12485
Bedroom sizeHUD FMR
Studio$1,020
1 bedroom$1,130
2 bedroom$1,390
3 bedroom$1,840
4 bedroom$2,100