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Columbia County/Ancramdale/12503

12503

ZIPSAFMR
Columbia County, NY
Zillow

ZIP Investment Score

34Below average

095130300
BRFMR
Eff. Rent
0 BR$1,280$1,280
1 BR$1,290$1,290
2 BR$1,460$1,460
3 BR$1,770$1,770
4 BR$1,950$1,950
5 BR$2,243Not available
6 BR$2,579Not available
7 BR$2,966Not available
8 BR$3,411Not available

Purchase Price Calculator

Maximum purchase price
$155,039

Cost breakdown

+Likely effective rent$1,460
HUD FMRUsed$1,460
Market rentN/A
Est. payment standardN/A
-Principal and interest-$784
Loan amount$124,031
Down payment$31,008
Rate6.50%
Term30 years
-Operating costs-$476
Property taxes-$155
Insurance-$175
Utilities$0
HOA$0
Management-$146
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,565(76.0% ROI)
Projected value
$166,960
Return breakdown
Property appreciation+$11,921
Loan principal paid down+$4,444
Rental cash flow+$7,200
5-year hold
+$40,298(130.0% ROI)
Projected value
$175,412
Return breakdown
Property appreciation+$20,373
Loan principal paid down+$7,924
Rental cash flow+$12,000
10-year hold
+$86,306(278.3% ROI)
Projected value
$198,463
Return breakdown
Property appreciation+$43,424
Loan principal paid down+$18,882
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 12503 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12503 (Ancramdale, NY) is $1,460 a month. That is down 9.9% from $1,620 in FY 2026. Ancramdale is in the Columbia County, NY non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,503. Among 41 ZIP codes in Columbia County, 12503 has the 26th-highest two-bedroom rent (county range $1,300–$2,250). The median county two-bedroom FMR in New York is $1,385, so ZIP 12503 is 5% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12503
BedroomsFY 2027Change90–110% range
Studio$1,280−9.9%$1,152–$1,408
1BR$1,290−9.8%$1,161–$1,419
2BR$1,460−9.9%$1,314–$1,606
3BR$1,770−9.7%$1,593–$1,947
4BR$1,950−9.7%$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12503
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,280$1,290$1,460$1,770$1,950
FY 2026$1,420$1,430$1,620$1,960$2,160
FY 2025$1,570$1,580$1,800$2,170$2,390
FY 2024area FMR$1,032$1,042$1,190$1,439$1,585
FY 2023area FMR$913$952$1,107$1,392$1,487

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Columbia County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12503
12502$1,340−8.2%
12503Current$1,460—
12513$1,680+15.1%
12516$1,400−4.1%
12517$1,390−4.8%
12521$2,040+39.7%
12523$1,440−1.4%
12526$1,620+11.0%
12529$1,350−7.5%
12530$1,850+26.7%
12534$1,680+15.1%
12541$1,500+2.7%

Questions about ZIP 12503 rents

How much will Section 8 pay for a two-bedroom in ZIP 12503?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,503, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,353 to $1,653 a month; under the ZIP-level Small Area FMR of $1,460 it would be $1,314 to $1,606. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 12503 in?

ZIP 12503 is in the Columbia County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,503.

How much did fair market rent change in ZIP 12503 for FY 2027?

The two-bedroom FMR fell 9.9%, from $1,620 in FY 2026 to $1,460 in FY 2027. Since FY 2025 it has fallen 18.9%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentAncramdale, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources