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St. Lawrence County/Antwerp/13608

13608

ZIPSAFMR
St. Lawrence County, NY
Zillow

ZIP Investment Score

109Above average

095130300
BRFMR
Eff. Rent
0 BR$880$880
1 BR$970$970
2 BR$1,270$1,270
3 BR$1,720$1,720
4 BR$2,110$2,110
5 BR$2,427Not available
6 BR$2,790Not available
7 BR$3,209Not available
8 BR$3,690Not available

Purchase Price Calculator

Maximum purchase price
$126,805

Cost breakdown

+Likely effective rent$1,270
HUD FMRUsed$1,270
Market rentN/A
Est. payment standardN/A
-Principal and interest-$641
Loan amount$101,444
Down payment$25,361
Rate6.50%
Term30 years
-Operating costs-$429
Property taxes-$127
Insurance-$175
Utilities$0
HOA$0
Management-$127
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,585(81.2% ROI)
Projected value
$136,555
Return breakdown
Property appreciation+$9,750
Loan principal paid down+$3,634
Rental cash flow+$7,200
5-year hold
+$35,144(138.6% ROI)
Projected value
$143,468
Return breakdown
Property appreciation+$16,663
Loan principal paid down+$6,481
Rental cash flow+$12,000
10-year hold
+$74,960(295.6% ROI)
Projected value
$162,321
Return breakdown
Property appreciation+$35,516
Loan principal paid down+$15,444
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 13608 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13608 (Antwerp, NY) is $1,270 a month. That is up 9.5% from $1,160 in FY 2026. Antwerp is in the St. Lawrence 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 $1,041. Among 54 ZIP codes in St. Lawrence County, 13608 is tied for the 7th-highest two-bedroom rent (county range $1,010–$1,490). The median county two-bedroom FMR in New York is $1,385, so ZIP 13608 is 8% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13608
BedroomsFY 2027Change90–110% range
Studio$880+8.6%$792–$968
1BR$970+10.2%$873–$1,067
2BR$1,270+9.5%$1,143–$1,397
3BR$1,720+9.6%$1,548–$1,892
4BR$2,110+9.9%$1,899–$2,321

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13608
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$880$970$1,270$1,720$2,110
FY 2026$810$880$1,160$1,570$1,920
FY 2025$830$940$1,230$1,660$2,010
FY 2024$740$840$1,100$1,490$1,760
FY 2023$710$810$1,070$1,430$1,680

Two-bedroom rent in nearby St. Lawrence County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13608
13608Current$1,270—
13613$1,010−20.5%
13614$1,080−15.0%
13617$1,140−10.2%
13621$1,060−16.5%
13623$1,130−11.0%
13625$1,430+12.6%
13630$1,160−8.7%
13633$1,070−15.7%
13635$1,080−15.0%
13639$1,070−15.7%
13642$1,2700.0%

Questions about ZIP 13608 rents

How much will Section 8 pay for a two-bedroom in ZIP 13608?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,041, which applies unless the housing authority uses Small Area FMRs, that basic range is $937 to $1,145 a month; under the ZIP-level Small Area FMR of $1,270 it would be $1,143 to $1,397. 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 13608 in?

ZIP 13608 is in the St. Lawrence County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,041.

How much did fair market rent change in ZIP 13608 for FY 2027?

The two-bedroom FMR rose 9.5%, from $1,160 in FY 2026 to $1,270 in FY 2027. Since FY 2023 it has risen 18.7%.

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