13442
ZIPSAFMR
Oneida County, NY
BRFMR
Eff. Rent
0 BR$910$1,000
1 BR$940$1,030
2 BR$1,190$1,310
3 BR$1,430$1,570
4 BR$1,650$1,820
5 BR$1,897
6 BR$2,182
7 BR$2,509
8 BR$2,886

Purchase Price Calculator

Maximum purchase price
$132,749

Cost breakdown

+Likely effective rent$1,310
HUD FMR$1,190
Market rent$1,800
Est. payment standard (110%)Used$1,310
Estimated payment standard is $1,310 (110% of FMR).
-Principal and interest-$671
Loan amount$106,199
Down payment$26,550
Rate6.50%
Term30 years
-Operating costs-$439
Property taxes-$133
Insurance-$175
Utilities$0
HOA$0
Management-$131
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,212(79.9% ROI)
Projected value
$142,956
Current value$132,749
Return breakdown
Property appreciation+$10,207
Loan principal paid down+$3,805
Rental cash flow+$7,200
5-year hold
+$36,229(136.5% ROI)
Projected value
$150,193
Current value$132,749
Return breakdown
Property appreciation+$17,444
Loan principal paid down+$6,785
Rental cash flow+$12,000
10-year hold
+$77,349(291.3% ROI)
Projected value
$169,930
Current value$132,749
Return breakdown
Property appreciation+$37,181
Loan principal paid down+$16,168
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.74ratio
FMR$910
Market$1,230
vs market-$320

FMR is below market; voucher rent may lag private rents.

90% standard$819 / 0.67 ratio110% standard$1,001 / 0.81 ratio
0.74
1 BR
1 BR
0.71ratio
FMR$940
Market$1,320
vs market-$380

FMR is below market; voucher rent may lag private rents.

90% standard$846 / 0.64 ratio110% standard$1,034 / 0.78 ratio
0.71
2 BR
2 BR
0.66ratio
FMR$1,190
Market$1,800
vs market-$610

FMR is below market; voucher rent may lag private rents.

90% standard$1,071 / 0.59 ratio110% standard$1,309 / 0.73 ratio
0.66
3 BR
3 BR
0.67ratio
FMR$1,430
Market$2,130
vs market-$700

FMR is below market; voucher rent may lag private rents.

90% standard$1,287 / 0.60 ratio110% standard$1,573 / 0.74 ratio
0.67
4 BR
4 BR
0.69ratio
FMR$1,650
Market$2,390
vs market-$740

FMR is below market; voucher rent may lag private rents.

90% standard$1,485 / 0.62 ratio110% standard$1,815 / 0.76 ratio
0.69
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 13442 (NY) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

13442 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 13442 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,190 and the 4 bedroom fair market rent is $1,650.

Use this page for searches like 13442 FMR, 13442 fair market rent, and 13442 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 13442
Bedroom sizeHUD FMR
Studio$910
1 bedroom$940
2 bedroom$1,190
3 bedroom$1,430
4 bedroom$1,650