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Otsego County/Cooperstown/13326

13326

ZIPSAFMR
Otsego County, NY
Zillow

ZIP Investment Score

53Below average

095130300
BRFMR
Eff. Rent
0 BR$980$980
1 BR$1,100$1,100
2 BR$1,410$1,410
3 BR$1,680$1,680
4 BR$1,890$1,890
5 BR$2,174Not available
6 BR$2,500Not available
7 BR$2,874Not available
8 BR$3,306Not available

Purchase Price Calculator

Maximum purchase price
$147,609

Cost breakdown

+Likely effective rent$1,410
HUD FMRUsed$1,410
Market rentN/A
Est. payment standardN/A
-Principal and interest-$746
Loan amount$118,087
Down payment$29,522
Rate6.50%
Term30 years
-Operating costs-$464
Property taxes-$148
Insurance-$175
Utilities$0
HOA$0
Management-$141
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,781(77.2% ROI)
Projected value
$158,959
Return breakdown
Property appreciation+$11,350
Loan principal paid down+$4,231
Rental cash flow+$7,200
5-year hold
+$38,942(131.9% ROI)
Projected value
$167,006
Return breakdown
Property appreciation+$19,397
Loan principal paid down+$7,545
Rental cash flow+$12,000
10-year hold
+$83,320(282.2% ROI)
Projected value
$188,952
Return breakdown
Property appreciation+$41,343
Loan principal paid down+$17,977
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
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Mortgage rate
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ZIP 13326 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13326 (Cooperstown, NY) is $1,410 a month. That is down 2.1% from $1,440 in FY 2026. Cooperstown is in the Otsego 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 $1,235. Among 48 ZIP codes in Otsego County, 13326 is tied for the 10th-highest two-bedroom rent (county range $1,110–$1,550). The median county two-bedroom FMR in New York is $1,385, so ZIP 13326 is 2% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13326
BedroomsFY 2027Change90–110% range
Studio$980−1.0%$882–$1,078
1BR$1,100−2.7%$990–$1,210
2BR$1,410−2.1%$1,269–$1,551
3BR$1,680−2.9%$1,512–$1,848
4BR$1,890−1.0%$1,701–$2,079

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13326
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$980$1,100$1,410$1,680$1,890
FY 2026$990$1,130$1,440$1,730$1,910
FY 2025$950$1,120$1,380$1,660$1,830
FY 2024area FMR$719$879$1,061$1,304$1,413
FY 2023area FMR$720$827$990$1,254$1,381

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Otsego County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13326
13315$1,280−9.2%
13317$1,110−21.3%
13320$1,540+9.2%
13326Current$1,410—
13333$1,330−5.7%
13335$1,210−14.2%
13337$1,4100.0%
13342$1,140−19.1%
13348$1,200−14.9%
13361$1,110−21.3%
13364$1,260−10.6%
13411$1,110−21.3%

Questions about ZIP 13326 rents

How much will Section 8 pay for a two-bedroom in ZIP 13326?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,235, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,112 to $1,359 a month; under the ZIP-level Small Area FMR of $1,410 it would be $1,269 to $1,551. 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 13326 in?

ZIP 13326 is in the Otsego County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,235.

How much did fair market rent change in ZIP 13326 for FY 2027?

The two-bedroom FMR fell 2.1%, from $1,440 in FY 2026 to $1,410 in FY 2027. Since FY 2025 it has risen 2.2%.

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