12575
ZIPSAFMR
Orange County, NY
BRFMR
Eff. Rent
0 BR$1,360$1,500
1 BR$1,540$1,690
2 BR$1,960$2,160
3 BR$2,490$2,740
4 BR$2,680$2,950
5 BR$3,082
6 BR$3,544
7 BR$4,076
8 BR$4,687

Purchase Price Calculator

Maximum purchase price
$259,059

Cost breakdown

+Likely effective rent$2,160
HUD FMR$1,960
Market rent$2,380
Est. payment standard (110%)Used$2,160
Estimated payment standard is $2,160 (110% of FMR).
-Principal and interest-$1,310
Loan amount$207,247
Down payment$51,812
Rate6.50%
Term30 years
-Operating costs-$650
Property taxes-$259
Insurance-$175
Utilities$0
HOA$0
Management-$216
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$34,544(66.7% ROI)
Projected value
$278,978
Current value$259,059
Return breakdown
Property appreciation+$19,919
Loan principal paid down+$7,425
Rental cash flow+$7,200
5-year hold
+$59,283(114.4% ROI)
Projected value
$293,101
Current value$259,059
Return breakdown
Property appreciation+$34,042
Loan principal paid down+$13,241
Rental cash flow+$12,000
10-year hold
+$128,109(247.3% ROI)
Projected value
$331,617
Current value$259,059
Return breakdown
Property appreciation+$72,558
Loan principal paid down+$31,551
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
0.70ratio
FMR$1,360
Market$1,940
vs market-$580

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

90% standard$1,224 / 0.63 ratio110% standard$1,496 / 0.77 ratio
0.70
1 BR
1 BR
0.74ratio
FMR$1,540
Market$2,080
vs market-$540

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

90% standard$1,386 / 0.67 ratio110% standard$1,694 / 0.81 ratio
0.74
2 BR
2 BR
0.82ratio
FMR$1,960
Market$2,380
vs market-$420

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

90% standard$1,764 / 0.74 ratio110% standard$2,156 / 0.91 ratio
0.82
3 BR
3 BR
0.84ratio
FMR$2,490
Market$2,950
vs market-$460

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

90% standard$2,241 / 0.76 ratio110% standard$2,739 / 0.93 ratio
0.84
4 BR
4 BR
0.84ratio
FMR$2,680
Market$3,200
vs market-$520

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

90% standard$2,412 / 0.75 ratio110% standard$2,948 / 0.92 ratio
0.84
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 12575 (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.

12575 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12575 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,960 and the 4 bedroom fair market rent is $2,680.

Use this page for searches like 12575 FMR, 12575 fair market rent, and 12575 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 12575
Bedroom sizeHUD FMR
Studio$1,360
1 bedroom$1,540
2 bedroom$1,960
3 bedroom$2,490
4 bedroom$2,680