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Cayuga County/Auburn/13021

13021

ZIPSAFMR
Cayuga County, NY
Zillow

ZIP Investment Score

96Above average

095130300
BRFMR
Eff. Rent
0 BR$900$950
1 BR$1,020$1,030
2 BR$1,260$1,340
3 BR$1,530$1,550
4 BR$1,680$1,730
5 BR$1,932Not available
6 BR$2,222Not available
7 BR$2,555Not available
8 BR$2,938Not available

Purchase Price Calculator

Maximum purchase price
$137,207

Cost breakdown

+Likely effective rent$1,340
HUD FMR$1,260
Market rent$1,390
Est. payment standard (107%)Used$1,340
-Principal and interest-$694
Loan amount$109,766
Down payment$27,441
Rate6.50%
Term30 years
-Operating costs-$446
Property taxes-$137
Insurance-$175
Utilities$0
HOA$0
Management-$134
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,683(79.0% ROI)
Projected value
$147,757
Return breakdown
Property appreciation+$10,550
Loan principal paid down+$3,933
Rental cash flow+$7,200
5-year hold
+$37,043(135.0% ROI)
Projected value
$155,237
Return breakdown
Property appreciation+$18,030
Loan principal paid down+$7,013
Rental cash flow+$12,000
10-year hold
+$79,140(288.4% ROI)
Projected value
$175,637
Return breakdown
Property appreciation+$38,430
Loan principal paid down+$16,711
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.92
1 BR
0.98
2 BR
0.91
3 BR
0.98
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 13021 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13021 (Auburn, NY) is $1,260 a month. That is up 5.9% from $1,190 in FY 2026. Auburn is in the Cayuga 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 $1,074. Among 32 ZIP codes in Cayuga County, 13021 is tied for the 17th-highest two-bedroom rent (county range $1,020–$1,930). The median county two-bedroom FMR in New York is $1,385, so ZIP 13021 is 9% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13021
BedroomsFY 2027Change90–110% range
Studio$9000.0%$810–$990
1BR$1,020+5.2%$918–$1,122
2BR$1,260+5.9%$1,134–$1,386
3BR$1,530+3.4%$1,377–$1,683
4BR$1,680−1.2%$1,512–$1,848

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13021
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$900$1,020$1,260$1,530$1,680
FY 2026$900$970$1,190$1,480$1,700
FY 2025$830$840$1,080$1,380$1,610
FY 2024$760$840$1,030$1,260$1,460
FY 2023$740$820$1,020$1,260$1,450

Two-bedroom rent in nearby Cayuga County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13021
13021Current$1,260—
13022$1,070−15.1%
13024$1,100−12.7%
13026$1,430+13.5%
13027$1,800+42.9%
13033$1,2600.0%
13034$1,280+1.6%
13045$1,580+25.4%
13060$1,360+7.9%
13064$1,070−15.1%
13071$1,170−7.1%
13073$1,580+25.4%

Questions about ZIP 13021 rents

How much will Section 8 pay for a two-bedroom in ZIP 13021?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,074, which applies unless the housing authority uses Small Area FMRs, that basic range is $967 to $1,181 a month; under the ZIP-level Small Area FMR of $1,260 it would be $1,134 to $1,386. 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 13021 in?

ZIP 13021 is in the Cayuga County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,074.

How much did fair market rent change in ZIP 13021 for FY 2027?

The two-bedroom FMR rose 5.9%, from $1,190 in FY 2026 to $1,260 in FY 2027. Since FY 2023 it has risen 23.5%.

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