12520
ZIPSAFMR
Orange County, NY
BRFMR
Eff. Rent
0 BR$1,260$1,390
1 BR$1,430$1,570
2 BR$1,830$2,010
3 BR$2,320$2,550
4 BR$2,490$2,740
5 BR$2,864
6 BR$3,293
7 BR$3,787
8 BR$4,355

Purchase Price Calculator

Maximum purchase price
$236,769

Cost breakdown

+Likely effective rent$2,010
HUD FMR$1,830
Market rent$2,510
Est. payment standard (110%)Used$2,010
Estimated payment standard is $2,010 (110% of FMR).
-Principal and interest-$1,197
Loan amount$189,415
Down payment$47,354
Rate6.50%
Term30 years
-Operating costs-$613
Property taxes-$237
Insurance-$175
Utilities$0
HOA$0
Management-$201
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$32,192(68.0% ROI)
Projected value
$254,974
Current value$236,769
Return breakdown
Property appreciation+$18,205
Loan principal paid down+$6,786
Rental cash flow+$7,200
5-year hold
+$55,215(116.6% ROI)
Projected value
$267,882
Current value$236,769
Return breakdown
Property appreciation+$31,113
Loan principal paid down+$12,102
Rental cash flow+$12,000
10-year hold
+$119,152(251.6% ROI)
Projected value
$303,084
Current value$236,769
Return breakdown
Property appreciation+$66,315
Loan principal paid down+$28,836
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
0.73ratio
FMR$1,260
Market$1,720
vs market-$460

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

90% standard$1,134 / 0.66 ratio110% standard$1,386 / 0.81 ratio
0.73
1 BR
1 BR
0.68ratio
FMR$1,430
Market$2,090
vs market-$660

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

90% standard$1,287 / 0.62 ratio110% standard$1,573 / 0.75 ratio
0.68
2 BR
2 BR
0.73ratio
FMR$1,830
Market$2,510
vs market-$680

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

90% standard$1,647 / 0.66 ratio110% standard$2,013 / 0.80 ratio
0.73
3 BR
3 BR
0.77ratio
FMR$2,320
Market$3,010
vs market-$690

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

90% standard$2,088 / 0.69 ratio110% standard$2,552 / 0.85 ratio
0.77
4 BR
4 BR
0.70ratio
FMR$2,490
Market$3,550
vs market-$1,060

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

90% standard$2,241 / 0.63 ratio110% standard$2,739 / 0.77 ratio
0.70
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 12520 (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.

12520 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12520 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,830 and the 4 bedroom fair market rent is $2,490.

Use this page for searches like 12520 FMR, 12520 fair market rent, and 12520 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 12520
Bedroom sizeHUD FMR
Studio$1,260
1 bedroom$1,430
2 bedroom$1,830
3 bedroom$2,320
4 bedroom$2,490