12734
ZIPSAFMR
Sullivan County, NY
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,110$1,220
2 BR$1,350$1,490
3 BR$1,870$2,060
4 BR$1,950$2,150
5 BR$2,243
6 BR$2,579
7 BR$2,966
8 BR$3,411

Purchase Price Calculator

Maximum purchase price
$159,497

Cost breakdown

+Likely effective rent$1,490
HUD FMR$1,350
Market rent$1,830
Est. payment standard (110%)Used$1,490
Estimated payment standard is $1,490 (110% of FMR).
-Principal and interest-$807
Loan amount$127,598
Down payment$31,899
Rate6.50%
Term30 years
-Operating costs-$483
Property taxes-$159
Insurance-$175
Utilities$0
HOA$0
Management-$149
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$24,035(75.3% ROI)
Projected value
$171,761
Current value$159,497
Return breakdown
Property appreciation+$12,264
Loan principal paid down+$4,572
Rental cash flow+$7,200
5-year hold
+$41,111(128.9% ROI)
Projected value
$180,456
Current value$159,497
Return breakdown
Property appreciation+$20,959
Loan principal paid down+$8,152
Rental cash flow+$12,000
10-year hold
+$88,098(276.2% ROI)
Projected value
$204,170
Current value$159,497
Return breakdown
Property appreciation+$44,673
Loan principal paid down+$19,425
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
0.82ratio
FMR$1,030
Market$1,260
vs market-$230

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

90% standard$927 / 0.74 ratio110% standard$1,133 / 0.90 ratio
0.82
1 BR
1 BR
0.79ratio
FMR$1,110
Market$1,400
vs market-$290

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

90% standard$999 / 0.71 ratio110% standard$1,221 / 0.87 ratio
0.79
2 BR
2 BR
0.74ratio
FMR$1,350
Market$1,830
vs market-$480

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

90% standard$1,215 / 0.66 ratio110% standard$1,485 / 0.81 ratio
0.74
3 BR
3 BR
0.67ratio
FMR$1,870
Market$2,800
vs market-$930

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

90% standard$1,683 / 0.60 ratio110% standard$2,057 / 0.73 ratio
0.67
4 BR
4 BR
0.84ratio
FMR$1,950
Market$2,320
vs market-$370

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

90% standard$1,755 / 0.76 ratio110% standard$2,145 / 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 12734 (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.

12734 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12734 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,350 and the 4 bedroom fair market rent is $1,950.

Use this page for searches like 12734 FMR, 12734 fair market rent, and 12734 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 12734
Bedroom sizeHUD FMR
Studio$1,030
1 bedroom$1,110
2 bedroom$1,350
3 bedroom$1,870
4 bedroom$1,950