12738
ZIPSAFMR
Sullivan County, NY
BRFMR
Eff. Rent
0 BR$1,130$1,240
1 BR$1,220$1,340
2 BR$1,480$1,630
3 BR$2,060$2,240
4 BR$2,150$2,370
5 BR$2,473
6 BR$2,843
7 BR$3,270
8 BR$3,760

Purchase Price Calculator

Maximum purchase price
$180,301

Cost breakdown

+Likely effective rent$1,630
HUD FMR$1,480
Market rent$2,120
Est. payment standard (110%)Used$1,630
Estimated payment standard is $1,630 (110% of FMR).
-Principal and interest-$912
Loan amount$144,241
Down payment$36,060
Rate6.50%
Term30 years
-Operating costs-$518
Property taxes-$180
Insurance-$175
Utilities$0
HOA$0
Management-$163
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,231(72.7% ROI)
Projected value
$194,164
Current value$180,301
Return breakdown
Property appreciation+$13,863
Loan principal paid down+$5,168
Rental cash flow+$7,200
5-year hold
+$44,909(124.5% ROI)
Projected value
$203,994
Current value$180,301
Return breakdown
Property appreciation+$23,693
Loan principal paid down+$9,216
Rental cash flow+$12,000
10-year hold
+$96,458(267.5% ROI)
Projected value
$230,800
Current value$180,301
Return breakdown
Property appreciation+$50,499
Loan principal paid down+$21,959
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
0.69ratio
FMR$1,130
Market$1,630
vs market-$500

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

90% standard$1,017 / 0.62 ratio110% standard$1,243 / 0.76 ratio
0.69
1 BR
1 BR
0.69ratio
FMR$1,220
Market$1,780
vs market-$560

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

90% standard$1,098 / 0.62 ratio110% standard$1,342 / 0.75 ratio
0.69
2 BR
2 BR
0.70ratio
FMR$1,480
Market$2,120
vs market-$640

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

90% standard$1,332 / 0.63 ratio110% standard$1,628 / 0.77 ratio
0.70
3 BR
3 BR
0.88ratio
FMR$2,060
Market$2,340
vs market-$280

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

90% standard$1,854 / 0.79 ratio110% standard$2,266 / 0.97 ratio
0.88
4 BR
4 BR
0.82ratio
FMR$2,150
Market$2,610
vs market-$460

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

90% standard$1,935 / 0.74 ratio110% standard$2,365 / 0.91 ratio
0.82
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 12738 (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.

12738 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12738 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,480 and the 4 bedroom fair market rent is $2,150.

Use this page for searches like 12738 FMR, 12738 fair market rent, and 12738 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 12738
Bedroom sizeHUD FMR
Studio$1,130
1 bedroom$1,220
2 bedroom$1,480
3 bedroom$2,060
4 bedroom$2,150