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Dutchess County/Dover Plains/12522

12522

ZIPSAFMR
Dutchess County, NY
Zillow

ZIP Investment Score

61Below average

095130300
BRFMR
Eff. Rent
0 BR$1,250$1,380
1 BR$1,400$1,540
2 BR$1,790$1,910
3 BR$2,260$2,490
4 BR$2,430$2,670
5 BR$2,795Not available
6 BR$3,214Not available
7 BR$3,696Not available
8 BR$4,250Not available

Purchase Price Calculator

Maximum purchase price
$221,909

Cost breakdown

+Likely effective rent$1,910
HUD FMR$1,790
Market rent$1,970
Est. payment standard (107%)Used$1,910
-Principal and interest-$1,122
Loan amount$177,527
Down payment$44,382
Rate6.50%
Term30 years
-Operating costs-$588
Property taxes-$222
Insurance-$175
Utilities$0
HOA$0
Management-$191
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$30,623(69.0% ROI)
Projected value
$238,971
Return breakdown
Property appreciation+$17,063
Loan principal paid down+$6,360
Rental cash flow+$7,200
5-year hold
+$52,503(118.3% ROI)
Projected value
$251,069
Return breakdown
Property appreciation+$29,161
Loan principal paid down+$11,342
Rental cash flow+$12,000
10-year hold
+$113,180(255.0% ROI)
Projected value
$284,062
Return breakdown
Property appreciation+$62,153
Loan principal paid down+$27,026
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.47
1 BR
0.74
2 BR
0.91
3 BR
0.71
4 BR
0.80
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12522 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12522 (Dover Plains, NY) is $1,790 a month. That is up 4.1% from $1,720 in FY 2026. Dover Plains is in the Kiryas Joel-Poughkeepsie-Newburgh, NY MSA. 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 metro-wide two-bedroom FMR of $2,131. Among 39 ZIP codes in Dutchess County, 12522 is tied for the 31st-highest two-bedroom rent (county range $1,790–$3,010). The median county two-bedroom FMR in New York is $1,385, so ZIP 12522 is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12522
BedroomsFY 2027Change90–110% range
Studio$1,250+5.9%$1,125–$1,375
1BR$1,400+3.7%$1,260–$1,540
2BR$1,790+4.1%$1,611–$1,969
3BR$2,260+3.2%$2,034–$2,486
4BR$2,430+2.5%$2,187–$2,673

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12522
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,250$1,400$1,790$2,260$2,430
FY 2026$1,180$1,350$1,720$2,190$2,370
FY 2025$1,120$1,280$1,650$2,090$2,310
FY 2024$1,020$1,110$1,430$1,820$2,020
FY 2023$930$1,000$1,280$1,620$1,820

Two-bedroom rent in nearby Dutchess County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12522
12507$3,010+68.2%
12508$2,310+29.1%
12510$2,080+16.2%
12511$2,080+16.2%
12512$2,250+25.7%
12514$1,7900.0%
12522Current$1,790—
12524$2,620+46.4%
12527$2,320+29.6%
12531$2,620+46.4%
12533$2,620+46.4%
12537$2,080+16.2%

Questions about ZIP 12522 rents

How much will Section 8 pay for a two-bedroom in ZIP 12522?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,131, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,918 to $2,344 a month; under the ZIP-level Small Area FMR of $1,790 it would be $1,611 to $1,969. 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 12522 in?

ZIP 12522 is in the Kiryas Joel-Poughkeepsie-Newburgh, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,131.

How much did fair market rent change in ZIP 12522 for FY 2027?

The two-bedroom FMR rose 4.1%, from $1,720 in FY 2026 to $1,790 in FY 2027. Since FY 2023 it has risen 39.8%.

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 rentDover Plains, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources