12563
ZIPSAFMR
Putnam County, NY
BRFMR
Eff. Rent
0 BR$2,280$2,050
1 BR$2,390$2,390
2 BR$2,620$2,620
3 BR$3,280$3,280
4 BR$3,560$3,560
5 BR$4,094
6 BR$4,708
7 BR$5,414
8 BR$6,226

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.11ratio
FMR$2,280
Market$2,050
vs market+$230

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.11
1 BR
1 BR
0.97ratio
FMR$2,390
Market$2,470
vs market-$80

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.97
2 BR
2 BR
0.87ratio
FMR$2,620
Market$3,000
vs market-$380

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.87
3 BR
3 BR
0.94ratio
FMR$3,280
Market$3,480
vs market-$200

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.94
4 BR
4 BR
0.93ratio
FMR$3,560
Market$3,810
vs market-$250

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.93
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$327,414
Rent
$2,620
Down payment
$65,483
Loan
$261,932
Mortgage
$1,656
Expenses
$764
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 12563 (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.