12540
ZIPSAFMR
Dutchess County, NY
BRFMR
Eff. Rent
0 BR$1,720$1,840
1 BR$1,960$2,010
2 BR$2,500$2,570
3 BR$3,170$3,330
4 BR$3,400$3,740
5 BR$3,910
6 BR$4,496
7 BR$5,171
8 BR$5,947

Purchase Price Calculator

Maximum purchase price
$319,984

Cost breakdown

+Likely effective rent$2,570
HUD FMR$2,500
Market rent$2,600
Est. payment standard (103%)Used$2,570
Estimated payment standard is $2,570 (103% of FMR).
-Principal and interest-$1,618
Loan amount$255,988
Down payment$63,997
Rate6.50%
Term30 years
-Operating costs-$752
Property taxes-$320
Insurance-$175
Utilities$0
HOA$0
Management-$257
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,975(64.0% ROI)
Projected value
$344,588
Current value$319,984
Return breakdown
Property appreciation+$24,604
Loan principal paid down+$9,171
Rental cash flow+$7,200
5-year hold
+$70,404(110.0% ROI)
Projected value
$362,033
Current value$319,984
Return breakdown
Property appreciation+$42,049
Loan principal paid down+$16,355
Rental cash flow+$12,000
10-year hold
+$152,594(238.4% ROI)
Projected value
$409,607
Current value$319,984
Return breakdown
Property appreciation+$89,623
Loan principal paid down+$38,971
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
0.91ratio
FMR$1,720
Market$1,900
vs market-$180

FMR is near market; voucher and private rents are aligned.

90% standard$1,548 / 0.81 ratio110% standard$1,892 / 1.00 ratio
0.91
1 BR
1 BR
0.96ratio
FMR$1,960
Market$2,040
vs market-$80

FMR is near market; voucher and private rents are aligned.

90% standard$1,764 / 0.86 ratio110% standard$2,156 / 1.06 ratio
0.96
2 BR
2 BR
0.96ratio
FMR$2,500
Market$2,600
vs market-$100

FMR is near market; voucher and private rents are aligned.

90% standard$2,250 / 0.87 ratio110% standard$2,750 / 1.06 ratio
0.96
3 BR
3 BR
0.93ratio
FMR$3,170
Market$3,420
vs market-$250

FMR is near market; voucher and private rents are aligned.

90% standard$2,853 / 0.83 ratio110% standard$3,487 / 1.02 ratio
0.93
4 BR
4 BR
0.83ratio
FMR$3,400
Market$4,090
vs market-$690

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

90% standard$3,060 / 0.75 ratio110% standard$3,740 / 0.91 ratio
0.83
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 12540 (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.

12540 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12540 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,500 and the 4 bedroom fair market rent is $3,400.

Use this page for searches like 12540 FMR, 12540 fair market rent, and 12540 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 12540
Bedroom sizeHUD FMR
Studio$1,720
1 bedroom$1,960
2 bedroom$2,500
3 bedroom$3,170
4 bedroom$3,400