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Ulster County/Milton/12547

12547

ZIPSAFMR
Ulster County, NY
Zillow

ZIP Investment Score

62Below average

095130300
BRFMR
Eff. Rent
0 BR$1,890$1,500
1 BR$2,070$1,700
2 BR$2,710$2,340
3 BR$3,290$2,940
4 BR$3,560$3,530
5 BR$4,094Not available
6 BR$4,708Not available
7 BR$5,414Not available
8 BR$6,226Not available

Purchase Price Calculator

Maximum purchase price
$285,807

Cost breakdown

+Likely effective rent$2,340
HUD FMR$2,710
Market rentUsed$2,340
Est. payment standard (91%)$2,470
-Principal and interest-$1,445
Loan amount$228,645
Down payment$57,161
Rate6.50%
Term30 years
-Operating costs-$695
Property taxes-$286
Insurance-$175
Utilities$0
HOA$0
Management-$234
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,368(65.4% ROI)
Projected value
$307,782
Return breakdown
Property appreciation+$21,976
Loan principal paid down+$8,192
Rental cash flow+$7,200
5-year hold
+$64,166(112.3% ROI)
Projected value
$323,364
Return breakdown
Property appreciation+$37,557
Loan principal paid down+$14,608
Rental cash flow+$12,000
10-year hold
+$138,859(242.9% ROI)
Projected value
$365,857
Return breakdown
Property appreciation+$80,050
Loan principal paid down+$34,809
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.26
1 BR
1.22
2 BR
1.16
3 BR
1.12
4 BR
1.01
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12547 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12547 (Milton, NY) is $2,710 a month. That is up 4.6% from $2,590 in FY 2026. Milton is in the Kingston, 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 $1,878. Among 69 ZIP codes in Ulster County, 12547 has the 3rd-highest two-bedroom rent (county range $1,640–$2,820). The median county two-bedroom FMR in New York is $1,385, so ZIP 12547 is 96% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12547
BedroomsFY 2027Change90–110% range
Studio$1,890+1.6%$1,701–$2,079
1BR$2,070+5.1%$1,863–$2,277
2BR$2,710+4.6%$2,439–$2,981
3BR$3,290+2.8%$2,961–$3,619
4BR$3,560+3.8%$3,204–$3,916

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12547
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,890$2,070$2,710$3,290$3,560
FY 2026$1,860$1,970$2,590$3,200$3,430
FY 2025$1,910$1,910$2,510$3,180$3,440
FY 2024$1,680$1,710$2,230$2,880$3,220
FY 2023$1,370$1,460$1,890$2,470$2,760

Two-bedroom rent in nearby Ulster County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12547
12515$1,640−39.5%
12525$2,120−21.8%
12528$2,190−19.2%
12542$2,350−13.3%
12547Current$2,710—
12548$1,890−30.3%
12561$2,150−20.7%
12566$2,010−25.8%
12568$1,880−30.6%
12586$2,050−24.4%
12588$1,880−30.6%
12589$1,790−33.9%

Questions about ZIP 12547 rents

How much will Section 8 pay for a two-bedroom in ZIP 12547?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,878, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,690 to $2,066 a month; under the ZIP-level Small Area FMR of $2,710 it would be $2,439 to $2,981. 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 12547 in?

ZIP 12547 is in the Kingston, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,878.

How much did fair market rent change in ZIP 12547 for FY 2027?

The two-bedroom FMR rose 4.6%, from $2,590 in FY 2026 to $2,710 in FY 2027. Since FY 2023 it has risen 43.4%.

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