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Tioga County/Apalachin/13732

13732

ZIPSAFMR
Tioga County, NY
Zillow

ZIP Investment Score

100Above average

095130300
BRFMR
Eff. Rent
0 BR$900$900
1 BR$1,010$1,010
2 BR$1,290$1,290
3 BR$1,620$1,620
4 BR$1,870$1,870
5 BR$2,151Not available
6 BR$2,473Not available
7 BR$2,844Not available
8 BR$3,271Not available

Purchase Price Calculator

Maximum purchase price
$129,777

Cost breakdown

+Likely effective rent$1,290
HUD FMRUsed$1,290
Market rentN/A
Est. payment standardN/A
-Principal and interest-$656
Loan amount$103,822
Down payment$25,955
Rate6.50%
Term30 years
-Operating costs-$434
Property taxes-$130
Insurance-$175
Utilities$0
HOA$0
Management-$129
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,898(80.5% ROI)
Projected value
$139,756
Return breakdown
Property appreciation+$9,979
Loan principal paid down+$3,720
Rental cash flow+$7,200
5-year hold
+$35,687(137.5% ROI)
Projected value
$146,831
Return breakdown
Property appreciation+$17,054
Loan principal paid down+$6,633
Rental cash flow+$12,000
10-year hold
+$76,154(293.4% ROI)
Projected value
$166,126
Return breakdown
Property appreciation+$36,349
Loan principal paid down+$15,806
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 13732 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13732 (Apalachin, NY) is $1,290 a month. That is up 10.3% from $1,170 in FY 2026. Apalachin is in the Binghamton, 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 $1,219. Among 18 ZIP codes in Tioga County, 13732 is tied for the 9th-highest two-bedroom rent (county range $1,170–$1,830). The median county two-bedroom FMR in New York is $1,385, so ZIP 13732 is 7% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13732
BedroomsFY 2027Change90–110% range
Studio$900+9.8%$810–$990
1BR$1,010+9.8%$909–$1,111
2BR$1,290+10.3%$1,161–$1,419
3BR$1,620+8.0%$1,458–$1,782
4BR$1,870+8.7%$1,683–$2,057

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13732
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$900$1,010$1,290$1,620$1,870
FY 2026$820$920$1,170$1,500$1,720
FY 2025$910$980$1,240$1,600$1,830
FY 2024$880$930$1,170$1,530$1,690
FY 2023$690$720$920$1,200$1,300

Two-bedroom rent in nearby Tioga County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13732
13732Current$1,290—
13734$1,2900.0%
13736$1,580+22.5%
13743$1,200−7.0%
13760$1,220−5.4%
13811$1,170−9.3%
13812$1,470+14.0%
13827$1,190−7.8%
13835$1,220−5.4%
13840$1,200−7.0%
13845$1,200−7.0%
13850$1,430+10.9%

Questions about ZIP 13732 rents

How much will Section 8 pay for a two-bedroom in ZIP 13732?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,219, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,097 to $1,341 a month; under the ZIP-level Small Area FMR of $1,290 it would be $1,161 to $1,419. 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 13732 in?

ZIP 13732 is in the Binghamton, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,219.

How much did fair market rent change in ZIP 13732 for FY 2027?

The two-bedroom FMR rose 10.3%, from $1,170 in FY 2026 to $1,290 in FY 2027. Since FY 2023 it has risen 40.2%.

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