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Oswego County/Pennellville/13132

13132

ZIPSAFMR
Oswego County, NY
Zillow

ZIP Investment Score

110Above average

095130300
BRFMR
Eff. Rent
0 BR$1,140$1,140
1 BR$1,300$1,300
2 BR$1,620$1,620
3 BR$1,960$1,960
4 BR$2,130$2,130
5 BR$2,450Not available
6 BR$2,817Not available
7 BR$3,239Not available
8 BR$3,725Not available

Purchase Price Calculator

Maximum purchase price
$178,815

Cost breakdown

+Likely effective rent$1,620
HUD FMRUsed$1,620
Market rentN/A
Est. payment standardN/A
-Principal and interest-$904
Loan amount$143,052
Down payment$35,763
Rate6.50%
Term30 years
-Operating costs-$516
Property taxes-$179
Insurance-$175
Utilities$0
HOA$0
Management-$162
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$26,074(72.9% ROI)
Projected value
$192,564
Return breakdown
Property appreciation+$13,749
Loan principal paid down+$5,125
Rental cash flow+$7,200
5-year hold
+$44,637(124.8% ROI)
Projected value
$202,313
Return breakdown
Property appreciation+$23,498
Loan principal paid down+$9,140
Rental cash flow+$12,000
10-year hold
+$95,861(268.0% ROI)
Projected value
$228,898
Return breakdown
Property appreciation+$50,083
Loan principal paid down+$21,778
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
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Tax rate
--
Mortgage rate
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ZIP 13132 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13132 (Pennellville, NY) is $1,620 a month. That is up 11.7% from $1,450 in FY 2026. Pennellville 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 31 ZIP codes in Oswego County, 13132 is tied for the 3rd-highest two-bedroom rent (county range $1,260–$1,680). The median county two-bedroom FMR in New York is $1,385, so ZIP 13132 is 17% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13132
BedroomsFY 2027Change90–110% range
Studio$1,140+10.7%$1,026–$1,254
1BR$1,300+11.1%$1,170–$1,430
2BR$1,620+11.7%$1,458–$1,782
3BR$1,960+11.4%$1,764–$2,156
4BR$2,130+10.9%$1,917–$2,343

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13132
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,140$1,300$1,620$1,960$2,130
FY 2026$1,030$1,170$1,450$1,760$1,920
FY 2025$900$1,000$1,230$1,500$1,700
FY 2024$750$830$1,020$1,250$1,450
FY 2023$740$830$1,030$1,270$1,470

Two-bedroom rent in nearby Oswego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13132
13111$1,260−22.2%
13114$1,260−22.2%
13115$1,670+3.1%
13121$1,350−16.7%
13126$1,440−11.1%
13131$1,480−8.6%
13132Current$1,620—
13135$1,350−16.7%
13142$1,260−22.2%
13144$1,260−22.2%
13145$1,270−21.6%
13156$1,420−12.3%

Questions about ZIP 13132 rents

How much will Section 8 pay for a two-bedroom in ZIP 13132?

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 $1,620 it would be $1,458 to $1,782. 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 13132 in?

ZIP 13132 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 13132 for FY 2027?

The two-bedroom FMR rose 11.7%, from $1,450 in FY 2026 to $1,620 in FY 2027. Since FY 2023 it has risen 57.3%.

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