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Sullivan County/Loch Sheldrake/12759

12759

ZIPSAFMR
Sullivan County, NY
Zillow

ZIP Investment Score

8Below average

095130300
BRFMR
Eff. Rent
0 BR$1,030$1,130
1 BR$1,060$1,170
2 BR$1,330$1,460
3 BR$1,840$2,020
4 BR$1,870$2,060
5 BR$2,151Not available
6 BR$2,473Not available
7 BR$2,844Not available
8 BR$3,271Not available

Purchase Price Calculator

Maximum purchase price
$155,039

Cost breakdown

+Likely effective rent$1,460
HUD FMR$1,330
Market rent$1,970
Est. payment standard (110%)Used$1,460
-Principal and interest-$784
Loan amount$124,031
Down payment$31,008
Rate6.50%
Term30 years
-Operating costs-$476
Property taxes-$155
Insurance-$175
Utilities$0
HOA$0
Management-$146
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$23,565(76.0% ROI)
Projected value
$166,960
Return breakdown
Property appreciation+$11,921
Loan principal paid down+$4,444
Rental cash flow+$7,200
5-year hold
+$40,298(130.0% ROI)
Projected value
$175,412
Return breakdown
Property appreciation+$20,373
Loan principal paid down+$7,924
Rental cash flow+$12,000
10-year hold
+$86,306(278.3% ROI)
Projected value
$198,463
Return breakdown
Property appreciation+$43,424
Loan principal paid down+$18,882
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.71
1 BR
0.70
2 BR
0.68
3 BR
0.66
4 BR
0.81
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 12759 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 12759 (Loch Sheldrake, NY) is $1,330 a month. That is up 3.9% from $1,280 in FY 2026. Loch Sheldrake 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, 12759 is tied for the 35th-highest two-bedroom rent (county range $1,180–$2,160). The median county two-bedroom FMR in New York is $1,385, so ZIP 12759 is 4% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 12759
BedroomsFY 2027Change90–110% range
Studio$1,030+5.1%$927–$1,133
1BR$1,060+1.0%$954–$1,166
2BR$1,330+3.9%$1,197–$1,463
3BR$1,840+3.4%$1,656–$2,024
4BR$1,870+0.5%$1,683–$2,057

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 12759
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,030$1,060$1,330$1,840$1,870
FY 2026$980$1,050$1,280$1,780$1,860
FY 2025$870$960$1,130$1,580$1,680
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. 12759
12751$1,920+44.4%
12752$1,180−11.3%
12754$1,370+3.0%
12758$1,640+23.3%
12759Current$1,330—
12760$1,260−5.3%
12762$1,310−1.5%
12763$1,760+32.3%
12764$1,180−11.3%
12765$1,180−11.3%
12766$1,300−2.3%
12767$1,300−2.3%

Questions about ZIP 12759 rents

How much will Section 8 pay for a two-bedroom in ZIP 12759?

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 $1,330 it would be $1,197 to $1,463. 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 12759 in?

ZIP 12759 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 12759 for FY 2027?

The two-bedroom FMR rose 3.9%, from $1,280 in FY 2026 to $1,330 in FY 2027. Since FY 2025 it has risen 17.7%.

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 rentLoch Sheldrake, NY fair market rentNY statewide rentsWhat is SAFMR?Data sources