12729
ZIPSAFMR
Sullivan County, NY
BRFMR
Eff. Rent
0 BR$1,230$1,350
1 BR$1,390$1,530
2 BR$1,780$1,840
3 BR$2,260$2,220
4 BR$2,430$2,420
5 BR$2,795
6 BR$3,214
7 BR$3,696
8 BR$4,250

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMR$1,780
Market rent$1,880
Est. payment standard (104%)Used$1,840
Estimated payment standard is $1,840 (104% of FMR).
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Current value$211,507
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Current value$211,507
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Current value$211,507
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
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
0.64ratio
FMR$1,230
Market$1,910
vs market-$680

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

90% standard$1,107 / 0.58 ratio110% standard$1,353 / 0.71 ratio
0.64
1 BR
1 BR
0.83ratio
FMR$1,390
Market$1,680
vs market-$290

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

90% standard$1,251 / 0.74 ratio110% standard$1,529 / 0.91 ratio
0.83
2 BR
2 BR
0.95ratio
FMR$1,780
Market$1,880
vs market-$100

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

90% standard$1,602 / 0.85 ratio110% standard$1,958 / 1.04 ratio
0.95
3 BR
3 BR
1.02ratio
FMR$2,260
Market$2,220
vs market+$40

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

90% standard$2,034 / 0.92 ratio110% standard$2,486 / 1.12 ratio
1.02
4 BR
4 BR
1.00ratio
FMR$2,430
Market$2,420
vs market+$10

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

90% standard$2,187 / 0.90 ratio110% standard$2,673 / 1.10 ratio
1.00
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 12729 (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.

12729 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12729 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,780 and the 4 bedroom fair market rent is $2,430.

Use this page for searches like 12729 FMR, 12729 fair market rent, and 12729 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 12729
Bedroom sizeHUD FMR
Studio$1,230
1 bedroom$1,390
2 bedroom$1,780
3 bedroom$2,260
4 bedroom$2,430