12551
ZIPSAFMR
Orange County, NY
BRFMR
Eff. Rent
0 BR$1,390$1,530
1 BR$1,580$1,740
2 BR$2,020$2,220
3 BR$2,560$2,770
4 BR$2,750$3,030
5 BR$3,162
6 BR$3,637
7 BR$4,182
8 BR$4,810

Purchase Price Calculator

Maximum purchase price
$267,975

Cost breakdown

+Likely effective rent$2,220
HUD FMR$2,020
Market rent$2,560
Est. payment standard (110%)Used$2,220
Estimated payment standard is $2,220 (110% of FMR).
-Principal and interest-$1,355
Loan amount$214,380
Down payment$53,595
Rate6.50%
Term30 years
-Operating costs-$665
Property taxes-$268
Insurance-$175
Utilities$0
HOA$0
Management-$222
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,485(66.2% ROI)
Projected value
$288,579
Current value$267,975
Return breakdown
Property appreciation+$20,605
Loan principal paid down+$7,681
Rental cash flow+$7,200
5-year hold
+$60,911(113.7% ROI)
Projected value
$303,189
Current value$267,975
Return breakdown
Property appreciation+$35,214
Loan principal paid down+$13,697
Rental cash flow+$12,000
10-year hold
+$131,692(245.7% ROI)
Projected value
$343,030
Current value$267,975
Return breakdown
Property appreciation+$75,056
Loan principal paid down+$32,637
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
0.76ratio
FMR$1,390
Market$1,820
vs market-$430

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

90% standard$1,251 / 0.69 ratio110% standard$1,529 / 0.84 ratio
0.76
1 BR
1 BR
0.72ratio
FMR$1,580
Market$2,180
vs market-$600

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

90% standard$1,422 / 0.65 ratio110% standard$1,738 / 0.80 ratio
0.72
2 BR
2 BR
0.79ratio
FMR$2,020
Market$2,560
vs market-$540

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

90% standard$1,818 / 0.71 ratio110% standard$2,222 / 0.87 ratio
0.79
3 BR
3 BR
0.89ratio
FMR$2,560
Market$2,890
vs market-$330

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

90% standard$2,304 / 0.80 ratio110% standard$2,816 / 0.97 ratio
0.89
4 BR
4 BR
0.74ratio
FMR$2,750
Market$3,700
vs market-$950

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

90% standard$2,475 / 0.67 ratio110% standard$3,025 / 0.82 ratio
0.74
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 12551 (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.

12551 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12551 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,020 and the 4 bedroom fair market rent is $2,750.

Use this page for searches like 12551 FMR, 12551 fair market rent, and 12551 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 12551
Bedroom sizeHUD FMR
Studio$1,390
1 bedroom$1,580
2 bedroom$2,020
3 bedroom$2,560
4 bedroom$2,750