12781
ZIPSAFMR
Sullivan County, NY
BRFMR
Eff. Rent
0 BR$1,280$1,410
1 BR$1,370$1,510
2 BR$1,670$1,840
3 BR$2,320$2,550
4 BR$2,420$2,660
5 BR$2,783
6 BR$3,200
7 BR$3,681
8 BR$4,233

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMR$1,670
Market rent$2,040
Est. payment standard (110%)Used$1,840
Estimated payment standard is $1,840 (110% 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
0.69ratio
FMR$1,280
Market$1,860
vs market-$580

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

90% standard$1,152 / 0.62 ratio110% standard$1,408 / 0.76 ratio
0.69
1 BR
1 BR
0.76ratio
FMR$1,370
Market$1,800
vs market-$430

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

90% standard$1,233 / 0.68 ratio110% standard$1,507 / 0.84 ratio
0.76
2 BR
2 BR
0.82ratio
FMR$1,670
Market$2,040
vs market-$370

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

90% standard$1,503 / 0.74 ratio110% standard$1,837 / 0.90 ratio
0.82
3 BR
3 BR
0.85ratio
FMR$2,320
Market$2,730
vs market-$410

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

90% standard$2,088 / 0.76 ratio110% standard$2,552 / 0.93 ratio
0.85
4 BR
4 BR
0.83ratio
FMR$2,420
Market$2,930
vs market-$510

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

90% standard$2,178 / 0.74 ratio110% standard$2,662 / 0.91 ratio
0.83
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 12781 (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.

12781 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12781 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,670 and the 4 bedroom fair market rent is $2,420.

Use this page for searches like 12781 FMR, 12781 fair market rent, and 12781 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 12781
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,370
2 bedroom$1,670
3 bedroom$2,320
4 bedroom$2,420