12586
ZIPSAFMR
Orange County, NY
BRFMR
Eff. Rent
0 BR$1,310$1,440
1 BR$1,490$1,640
2 BR$1,900$2,090
3 BR$2,410$2,520
4 BR$2,590$2,850
5 BR$2,978
6 BR$3,425
7 BR$3,939
8 BR$4,530

Purchase Price Calculator

Maximum purchase price
$248,657

Cost breakdown

+Likely effective rent$2,090
HUD FMR$1,900
Market rent$2,300
Est. payment standard (110%)Used$2,090
Estimated payment standard is $2,090 (110% of FMR).
-Principal and interest-$1,257
Loan amount$198,925
Down payment$49,731
Rate6.50%
Term30 years
-Operating costs-$633
Property taxes-$249
Insurance-$175
Utilities$0
HOA$0
Management-$209
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$33,446(67.3% ROI)
Projected value
$267,776
Current value$248,657
Return breakdown
Property appreciation+$19,119
Loan principal paid down+$7,127
Rental cash flow+$7,200
5-year hold
+$57,385(115.4% ROI)
Projected value
$281,332
Current value$248,657
Return breakdown
Property appreciation+$32,676
Loan principal paid down+$12,709
Rental cash flow+$12,000
10-year hold
+$123,929(249.2% ROI)
Projected value
$318,302
Current value$248,657
Return breakdown
Property appreciation+$69,645
Loan principal paid down+$30,284
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
0.78ratio
FMR$1,310
Market$1,670
vs market-$360

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

90% standard$1,179 / 0.71 ratio110% standard$1,441 / 0.86 ratio
0.78
1 BR
1 BR
0.82ratio
FMR$1,490
Market$1,820
vs market-$330

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

90% standard$1,341 / 0.74 ratio110% standard$1,639 / 0.90 ratio
0.82
2 BR
2 BR
0.83ratio
FMR$1,900
Market$2,300
vs market-$400

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

90% standard$1,710 / 0.74 ratio110% standard$2,090 / 0.91 ratio
0.83
3 BR
3 BR
0.93ratio
FMR$2,410
Market$2,580
vs market-$170

FMR is near market; voucher and private rents are aligned.

90% standard$2,169 / 0.84 ratio110% standard$2,651 / 1.03 ratio
0.93
4 BR
4 BR
0.86ratio
FMR$2,590
Market$3,010
vs market-$420

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

90% standard$2,331 / 0.77 ratio110% standard$2,849 / 0.95 ratio
0.86
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 12586 (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.

12586 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12586 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,900 and the 4 bedroom fair market rent is $2,590.

Use this page for searches like 12586 FMR, 12586 fair market rent, and 12586 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 12586
Bedroom sizeHUD FMR
Studio$1,310
1 bedroom$1,490
2 bedroom$1,900
3 bedroom$2,410
4 bedroom$2,590