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Columbia County/Elizaville/12523

12523

ZIPSAFMR
Columbia County, NY
Zillow

ZIP Investment Score

56Below average

095130300
BRFMR
Eff. Rent
0 BR$1,210$1,330
1 BR$1,250$1,380
2 BR$1,440$1,580
3 BR$1,760$1,940
4 BR$1,890$2,080
5 BR$2,174Not available
6 BR$2,500Not available
7 BR$2,874Not available
8 BR$3,306Not available

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMR$1,440
Market rent$3,130
Est. payment standard (110%)Used$1,580
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.36
1 BR
0.44
2 BR
0.46
3 BR
0.42
4 BR
0.41
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12523 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12523 (Elizaville, NY) is $1,440 a month. That is up 5.9% from $1,360 in FY 2026. Elizaville 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, 12523 has the 27th-highest two-bedroom rent (county range $1,300–$2,250). The median county two-bedroom FMR in New York is $1,385, so ZIP 12523 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12523
BedroomsFY 2027Change90–110% range
Studio$1,210+2.5%$1,089–$1,331
1BR$1,250+4.2%$1,125–$1,375
2BR$1,440+5.9%$1,296–$1,584
3BR$1,760+7.3%$1,584–$1,936
4BR$1,890+5.0%$1,701–$2,079

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12523
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,210$1,250$1,440$1,760$1,890
FY 2026$1,180$1,200$1,360$1,640$1,800
FY 2025$1,100$1,100$1,260$1,520$1,670
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. 12523
12502$1,340−6.9%
12503$1,460+1.4%
12513$1,680+16.7%
12516$1,400−2.8%
12517$1,390−3.5%
12521$2,040+41.7%
12523Current$1,440—
12526$1,620+12.5%
12529$1,350−6.2%
12530$1,850+28.5%
12534$1,680+16.7%
12541$1,500+4.2%

Questions about ZIP 12523 rents

How much will Section 8 pay for a two-bedroom in ZIP 12523?

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 $1,440 it would be $1,296 to $1,584. 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 12523 in?

ZIP 12523 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 12523 for FY 2027?

The two-bedroom FMR rose 5.9%, from $1,360 in FY 2026 to $1,440 in FY 2027. Since FY 2025 it has risen 14.3%.

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