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Sullivan County/Kiamesha Lake/12751

12751

ZIPSAFMR
Sullivan County, NY
Zillow

ZIP Investment Score

152High yield potential

095130300
BRFMR
Eff. Rent
0 BR$1,490$1,330
1 BR$1,540$1,350
2 BR$1,920$1,870
3 BR$2,660$2,090
4 BR$2,700$2,450
5 BR$3,105Not available
6 BR$3,571Not available
7 BR$4,106Not available
8 BR$4,722Not available

Purchase Price Calculator

Maximum purchase price
$215,965

Cost breakdown

+Likely effective rent$1,870
HUD FMR$1,920
Market rentUsed$1,870
Est. payment standard (98%)$1,890
-Principal and interest-$1,092
Loan amount$172,772
Down payment$43,193
Rate6.50%
Term30 years
-Operating costs-$578
Property taxes-$216
Insurance-$175
Utilities$0
HOA$0
Management-$187
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,996(69.4% ROI)
Projected value
$232,570
Return breakdown
Property appreciation+$16,606
Loan principal paid down+$6,190
Rental cash flow+$7,200
5-year hold
+$51,418(119.0% ROI)
Projected value
$244,344
Return breakdown
Property appreciation+$28,380
Loan principal paid down+$11,038
Rental cash flow+$12,000
10-year hold
+$110,791(256.5% ROI)
Projected value
$276,453
Return breakdown
Property appreciation+$60,488
Loan principal paid down+$26,303
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.12
1 BR
1.14
2 BR
1.03
3 BR
1.27
4 BR
1.10
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12751 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12751 (Kiamesha Lake, NY) is $1,920 a month. That is up 13.6% from $1,690 in FY 2026. Kiamesha Lake is in the Sullivan County, NY non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,299. Among 61 ZIP codes in Sullivan County, 12751 has the 6th-highest two-bedroom rent (county range $1,180–$2,160). The median county two-bedroom FMR in New York is $1,385, so ZIP 12751 is 39% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12751
BedroomsFY 2027Change90–110% range
Studio$1,490+15.5%$1,341–$1,639
1BR$1,540+10.8%$1,386–$1,694
2BR$1,920+13.6%$1,728–$2,112
3BR$2,660+13.2%$2,394–$2,926
4BR$2,700+10.2%$2,430–$2,970

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12751
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,490$1,540$1,920$2,660$2,700
FY 2026$1,290$1,390$1,690$2,350$2,450
FY 2025$1,040$1,150$1,350$1,890$2,010
FY 2024area FMR$789$917$1,078$1,506$1,653
FY 2023area FMR$698$838$1,008$1,341$1,526

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Sullivan County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 12751
12742$1,300−32.3%
12743$1,390−27.6%
12745$1,300−32.3%
12747$1,180−38.5%
12748$1,270−33.9%
12749$1,460−24.0%
12750$1,370−28.6%
12751Current$1,920—
12752$1,180−38.5%
12754$1,370−28.6%
12758$1,640−14.6%
12759$1,330−30.7%

Questions about ZIP 12751 rents

How much will Section 8 pay for a two-bedroom in ZIP 12751?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,299, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,169 to $1,429 a month; under the ZIP-level Small Area FMR of $1,920 it would be $1,728 to $2,112. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 12751 in?

ZIP 12751 is in the Sullivan County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,299.

How much did fair market rent change in ZIP 12751 for FY 2027?

The two-bedroom FMR rose 13.6%, from $1,690 in FY 2026 to $1,920 in FY 2027. Since FY 2025 it has risen 42.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentKiamesha Lake, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources