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Columbia County/Tivoli/12583

12583

ZIPSAFMR
Columbia County, NY
Zillow

ZIP Investment Score

59Below average

095130300
BRFMR
Eff. Rent
0 BR$1,650$1,660
1 BR$1,790$1,970
2 BR$2,220$2,440
3 BR$2,780$3,060
4 BR$2,940$3,230
5 BR$3,381Not available
6 BR$3,888Not available
7 BR$4,471Not available
8 BR$5,142Not available

Purchase Price Calculator

Maximum purchase price
$300,667

Cost breakdown

+Likely effective rent$2,440
HUD FMR$2,220
Market rent$2,920
Est. payment standard (110%)Used$2,440
-Principal and interest-$1,520
Loan amount$240,533
Down payment$60,133
Rate6.50%
Term30 years
-Operating costs-$720
Property taxes-$301
Insurance-$175
Utilities$0
HOA$0
Management-$244
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,936(64.7% ROI)
Projected value
$323,785
Return breakdown
Property appreciation+$23,118
Loan principal paid down+$8,618
Rental cash flow+$7,200
5-year hold
+$66,878(111.2% ROI)
Projected value
$340,177
Return breakdown
Property appreciation+$39,510
Loan principal paid down+$15,368
Rental cash flow+$12,000
10-year hold
+$144,831(240.8% ROI)
Projected value
$384,879
Return breakdown
Property appreciation+$84,212
Loan principal paid down+$36,618
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.99
1 BR
0.84
2 BR
0.76
3 BR
0.77
4 BR
0.66
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12583 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12583 (Tivoli, NY) is $2,220 a month. That is up 2.8% from $2,160 in FY 2026. Tivoli is in the Columbia County, NY non-metropolitan FMR area. 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 county-wide two-bedroom FMR of $1,503. Among 41 ZIP codes in Columbia County, 12583 has the 2nd-highest two-bedroom rent (county range $1,300–$2,250). The median county two-bedroom FMR in New York is $1,385, so ZIP 12583 is 60% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12583
BedroomsFY 2027Change90–110% range
Studio$1,650+2.5%$1,485–$1,815
1BR$1,790+1.7%$1,611–$1,969
2BR$2,220+2.8%$1,998–$2,442
3BR$2,780+3.3%$2,502–$3,058
4BR$2,940+1.0%$2,646–$3,234

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12583
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,650$1,790$2,220$2,780$2,940
FY 2026$1,610$1,760$2,160$2,690$2,910
FY 2025$1,580$1,720$2,120$2,650$2,880
FY 2024$1,380$1,590$2,040$2,590$2,860
FY 2023$1,270$1,390$1,780$2,270$2,520

Two-bedroom rent in nearby Columbia County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12583
12523$1,440−35.1%
12526$1,620−27.0%
12529$1,350−39.2%
12530$1,850−16.7%
12534$1,680−24.3%
12541$1,500−32.4%
12544$1,660−25.2%
12546$1,790−19.4%
12565$1,400−36.9%
12567$2,000−9.9%
12571$1,870−15.8%
12583Current$2,220—

Questions about ZIP 12583 rents

How much will Section 8 pay for a two-bedroom in ZIP 12583?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,503, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,353 to $1,653 a month; under the ZIP-level Small Area FMR of $2,220 it would be $1,998 to $2,442. 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 12583 in?

ZIP 12583 is in the Columbia County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,503.

How much did fair market rent change in ZIP 12583 for FY 2027?

The two-bedroom FMR rose 2.8%, from $2,160 in FY 2026 to $2,220 in FY 2027. Since FY 2023 it has risen 24.7%.

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