12603
ZIPSAFMR
Dutchess County, NY
BRFMR
Eff. Rent
0 BR$1,410$1,530
1 BR$1,600$1,760
2 BR$2,050$2,260
3 BR$2,600$2,830
4 BR$2,790$3,070
5 BR$3,208
6 BR$3,690
7 BR$4,243
8 BR$4,880

Purchase Price Calculator

Maximum purchase price
$273,919

Cost breakdown

+Likely effective rent$2,260
HUD FMR$2,050
Market rent$2,520
Est. payment standard (110%)Used$2,260
Estimated payment standard is $2,260 (110% of FMR).
-Principal and interest-$1,385
Loan amount$219,135
Down payment$54,784
Rate6.50%
Term30 years
-Operating costs-$675
Property taxes-$274
Insurance-$175
Utilities$0
HOA$0
Management-$226
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,113(65.9% ROI)
Projected value
$294,980
Current value$273,919
Return breakdown
Property appreciation+$21,062
Loan principal paid down+$7,851
Rental cash flow+$7,200
5-year hold
+$61,996(113.2% ROI)
Projected value
$309,914
Current value$273,919
Return breakdown
Property appreciation+$35,995
Loan principal paid down+$14,001
Rental cash flow+$12,000
10-year hold
+$134,081(244.7% ROI)
Projected value
$350,639
Current value$273,919
Return breakdown
Property appreciation+$76,720
Loan principal paid down+$33,361
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
0.89ratio
FMR$1,410
Market$1,590
vs market-$180

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

90% standard$1,269 / 0.80 ratio110% standard$1,551 / 0.98 ratio
0.89
1 BR
1 BR
0.81ratio
FMR$1,600
Market$1,980
vs market-$380

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

90% standard$1,440 / 0.73 ratio110% standard$1,760 / 0.89 ratio
0.81
2 BR
2 BR
0.81ratio
FMR$2,050
Market$2,520
vs market-$470

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

90% standard$1,845 / 0.73 ratio110% standard$2,255 / 0.89 ratio
0.81
3 BR
3 BR
0.88ratio
FMR$2,600
Market$2,960
vs market-$360

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

90% standard$2,340 / 0.79 ratio110% standard$2,860 / 0.97 ratio
0.88
4 BR
4 BR
0.86ratio
FMR$2,790
Market$3,260
vs market-$470

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

90% standard$2,511 / 0.77 ratio110% standard$3,069 / 0.94 ratio
0.86
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 12603 (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.

12603 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12603 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,050 and the 4 bedroom fair market rent is $2,790.

Use this page for searches like 12603 FMR, 12603 fair market rent, and 12603 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 12603
Bedroom sizeHUD FMR
Studio$1,410
1 bedroom$1,600
2 bedroom$2,050
3 bedroom$2,600
4 bedroom$2,790