12866
ZIPSAFMR
Saratoga County, NY
BRFMR
Eff. Rent
0 BR$1,650$1,430
1 BR$1,910$2,100
2 BR$2,300$2,310
3 BR$2,760$2,690
4 BR$3,050$2,990
5 BR$3,507
6 BR$4,034
7 BR$4,639
8 BR$5,334

Purchase Price Calculator

Maximum purchase price
$281,349

Cost breakdown

+Likely effective rent$2,310
HUD FMR$2,300
Market rent$2,310
Est. payment standard (100%)Used$2,310
Estimated payment standard is $2,310 (100% of FMR).
-Principal and interest-$1,423
Loan amount$225,079
Down payment$56,270
Rate6.50%
Term30 years
-Operating costs-$687
Property taxes-$281
Insurance-$175
Utilities$0
HOA$0
Management-$231
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,897(65.6% ROI)
Projected value
$302,982
Current value$281,349
Return breakdown
Property appreciation+$21,633
Loan principal paid down+$8,064
Rental cash flow+$7,200
5-year hold
+$63,352(112.6% ROI)
Projected value
$318,320
Current value$281,349
Return breakdown
Property appreciation+$36,972
Loan principal paid down+$14,380
Rental cash flow+$12,000
10-year hold
+$137,067(243.6% ROI)
Projected value
$360,150
Current value$281,349
Return breakdown
Property appreciation+$78,801
Loan principal paid down+$34,266
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
1.15ratio
FMR$1,650
Market$1,430
vs market+$220

FMR is above market; underwrite to market rent.

90% standard$1,485 / 1.04 ratio110% standard$1,815 / 1.27 ratio
1.15
1 BR
1 BR
0.81ratio
FMR$1,910
Market$2,350
vs market-$440

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

90% standard$1,719 / 0.73 ratio110% standard$2,101 / 0.89 ratio
0.81
2 BR
2 BR
1.00ratio
FMR$2,300
Market$2,310
vs market-$10

FMR is near market; voucher and private rents are aligned.

90% standard$2,070 / 0.90 ratio110% standard$2,530 / 1.10 ratio
1.00
3 BR
3 BR
1.03ratio
FMR$2,760
Market$2,690
vs market+$70

FMR is near market; voucher and private rents are aligned.

90% standard$2,484 / 0.92 ratio110% standard$3,036 / 1.13 ratio
1.03
4 BR
4 BR
1.02ratio
FMR$3,050
Market$2,990
vs market+$60

FMR is near market; voucher and private rents are aligned.

90% standard$2,745 / 0.92 ratio110% standard$3,355 / 1.12 ratio
1.02
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 12866 (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.

12866 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 12866 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,300 and the 4 bedroom fair market rent is $3,050.

Use this page for searches like 12866 FMR, 12866 fair market rent, and 12866 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 12866
Bedroom sizeHUD FMR
Studio$1,650
1 bedroom$1,910
2 bedroom$2,300
3 bedroom$2,760
4 bedroom$3,050