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Oneida County/New Hartford/13413

13413

ZIPSAFMR
Oneida County, NY
Zillow

ZIP Investment Score

90Below average

095130300
BRFMR
Eff. Rent
0 BR$1,020$1,120
1 BR$1,130$1,240
2 BR$1,440$1,580
3 BR$1,720$1,890
4 BR$1,950$2,150
5 BR$2,243Not available
6 BR$2,579Not available
7 BR$2,966Not available
8 BR$3,411Not available

Purchase Price Calculator

Maximum purchase price
$172,871

Cost breakdown

+Likely effective rent$1,580
HUD FMR$1,440
Market rent$2,070
Est. payment standard (110%)Used$1,580
-Principal and interest-$874
Loan amount$138,297
Down payment$34,574
Rate6.50%
Term30 years
-Operating costs-$506
Property taxes-$173
Insurance-$175
Utilities$0
HOA$0
Management-$158
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,447(73.6% ROI)
Projected value
$186,163
Return breakdown
Property appreciation+$13,292
Loan principal paid down+$4,955
Rental cash flow+$7,200
5-year hold
+$43,552(126.0% ROI)
Projected value
$195,588
Return breakdown
Property appreciation+$22,717
Loan principal paid down+$8,836
Rental cash flow+$12,000
10-year hold
+$93,473(270.4% ROI)
Projected value
$221,289
Return breakdown
Property appreciation+$48,418
Loan principal paid down+$21,054
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.86
1 BR
0.78
2 BR
0.70
3 BR
0.78
4 BR
0.78
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 13413 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13413 (New Hartford, NY) is $1,440 a month. That is unchanged from FY 2026. New Hartford is in the Utica-Rome, 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 $1,210. Among 63 ZIP codes in Oneida County, 13413 is tied for the 4th-highest two-bedroom rent (county range $1,060–$1,610). The median county two-bedroom FMR in New York is $1,385, so ZIP 13413 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13413
BedroomsFY 2027Change90–110% range
Studio$1,020−7.3%$918–$1,122
1BR$1,130−0.9%$1,017–$1,243
2BR$1,4400.0%$1,296–$1,584
3BR$1,720−0.6%$1,548–$1,892
4BR$1,950−2.0%$1,755–$2,145

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13413
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,020$1,130$1,440$1,720$1,950
FY 2026$1,100$1,140$1,440$1,730$1,990
FY 2025$1,150$1,150$1,440$1,730$2,050
FY 2024$1,010$1,010$1,270$1,540$1,800
FY 2023$960$960$1,210$1,470$1,740

Two-bedroom rent in nearby Oneida County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13413
13401$1,230−14.6%
13402$1,280−11.1%
13403$1,610+11.8%
13409$1,300−9.7%
13413Current$1,440—
13417$1,110−22.9%
13421$1,260−12.5%
13424$1,080−25.0%
13425$1,260−12.5%
13431$1,060−26.4%
13435$1,080−25.0%
13438$1,080−25.0%

Questions about ZIP 13413 rents

How much will Section 8 pay for a two-bedroom in ZIP 13413?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,210, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,089 to $1,331 a month; under the ZIP-level Small Area FMR of $1,440 it would be $1,296 to $1,584. 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 13413 in?

ZIP 13413 is in the Utica-Rome, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,210.

How much did fair market rent change in ZIP 13413 for FY 2027?

The two-bedroom FMR was unchanged at $1,440 in FY 2027. Since FY 2023 it has risen 19.0%.

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