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Onondaga County/La Fayette/13084

13084

ZIPSAFMR
Onondaga County, NY
Zillow

ZIP Investment Score

77Below average

095130300
BRFMR
Eff. Rent
0 BR$1,250$1,250
1 BR$1,430$1,430
2 BR$1,780$1,780
3 BR$2,160$2,160
4 BR$2,340$2,340
5 BR$2,691Not available
6 BR$3,095Not available
7 BR$3,559Not available
8 BR$4,093Not available

Purchase Price Calculator

Maximum purchase price
$202,591

Cost breakdown

+Likely effective rent$1,780
HUD FMRUsed$1,780
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,024
Loan amount$162,073
Down payment$40,518
Rate6.50%
Term30 years
-Operating costs-$556
Property taxes-$203
Insurance-$175
Utilities$0
HOA$0
Management-$178
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$28,584(70.5% ROI)
Projected value
$218,168
Return breakdown
Property appreciation+$15,577
Loan principal paid down+$5,807
Rental cash flow+$7,200
5-year hold
+$48,977(120.9% ROI)
Projected value
$229,213
Return breakdown
Property appreciation+$26,622
Loan principal paid down+$10,355
Rental cash flow+$12,000
10-year hold
+$105,416(260.2% ROI)
Projected value
$259,333
Return breakdown
Property appreciation+$56,743
Loan principal paid down+$24,674
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 13084 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13084 (La Fayette, NY) is $1,780 a month. That is up 7.2% from $1,660 in FY 2026. La Fayette is in the Syracuse, NY MSA. 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 metro-wide two-bedroom FMR of $1,493. Among 69 ZIP codes in Onondaga County, 13084 has the 7th-highest two-bedroom rent (county range $1,260–$2,180). The median county two-bedroom FMR in New York is $1,385, so ZIP 13084 is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13084
BedroomsFY 2027Change90–110% range
Studio$1,250+5.0%$1,125–$1,375
1BR$1,430+6.7%$1,287–$1,573
2BR$1,780+7.2%$1,602–$1,958
3BR$2,160+6.9%$1,944–$2,376
4BR$2,340+6.4%$2,106–$2,574

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13084
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,250$1,430$1,780$2,160$2,340
FY 2026$1,190$1,340$1,660$2,020$2,200
FY 2025$1,010$1,130$1,390$1,700$1,920
FY 2024$790$870$1,070$1,310$1,520
FY 2023$730$820$1,010$1,240$1,440

Two-bedroom rent in nearby Onondaga County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13084
13063$1,260−29.2%
13066$1,630−8.4%
13069$1,280−28.1%
13077$1,400−21.3%
13078$1,770−0.6%
13080$1,260−29.2%
13082$1,260−29.2%
13084Current$1,780—
13088$1,530−14.0%
13089$1,530−14.0%
13090$1,810+1.7%
13104$1,500−15.7%

Questions about ZIP 13084 rents

How much will Section 8 pay for a two-bedroom in ZIP 13084?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,493, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,344 to $1,642 a month; under the ZIP-level Small Area FMR of $1,780 it would be $1,602 to $1,958. 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 13084 in?

ZIP 13084 is in the Syracuse, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,493.

How much did fair market rent change in ZIP 13084 for FY 2027?

The two-bedroom FMR rose 7.2%, from $1,660 in FY 2026 to $1,780 in FY 2027. Since FY 2023 it has risen 76.2%.

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