13738
ZIPSAFMR
Cortland County, NY
BRFMR
Eff. Rent
0 BR$920$920
1 BR$930$970
2 BR$1,160$1,190
3 BR$1,460$1,610
4 BR$1,950$2,150
5 BR$2,243
6 BR$2,579
7 BR$2,966
8 BR$3,411

Purchase Price Calculator

Maximum purchase price
$114,917

Cost breakdown

+Likely effective rent$1,190
HUD FMR$1,160
Market rent$1,210
Est. payment standard (103%)Used$1,190
Estimated payment standard is $1,190 (103% of FMR).
-Principal and interest-$581
Loan amount$91,934
Down payment$22,983
Rate6.50%
Term30 years
-Operating costs-$409
Property taxes-$115
Insurance-$175
Utilities$0
HOA$0
Management-$119
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,330(84.1% ROI)
Projected value
$123,753
Current value$114,917
Return breakdown
Property appreciation+$8,836
Loan principal paid down+$3,294
Rental cash flow+$7,200
5-year hold
+$32,975(143.5% ROI)
Projected value
$130,018
Current value$114,917
Return breakdown
Property appreciation+$15,101
Loan principal paid down+$5,874
Rental cash flow+$12,000
10-year hold
+$70,182(305.4% ROI)
Projected value
$147,103
Current value$114,917
Return breakdown
Property appreciation+$32,186
Loan principal paid down+$13,996
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Studio
Studio
1.00ratio
FMR$920
Market$920
vs market+$0

FMR is near market; voucher and private rents are aligned.

90% standard$828 / 0.90 ratio110% standard$1,012 / 1.10 ratio
1.00
1 BR
1 BR
0.94ratio
FMR$930
Market$990
vs market-$60

FMR is near market; voucher and private rents are aligned.

90% standard$837 / 0.85 ratio110% standard$1,023 / 1.03 ratio
0.94
2 BR
2 BR
0.96ratio
FMR$1,160
Market$1,210
vs market-$50

FMR is near market; voucher and private rents are aligned.

90% standard$1,044 / 0.86 ratio110% standard$1,276 / 1.05 ratio
0.96
3 BR
3 BR
0.69ratio
FMR$1,460
Market$2,110
vs market-$650

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

90% standard$1,314 / 0.62 ratio110% standard$1,606 / 0.76 ratio
0.69
4 BR
4 BR
0.79ratio
FMR$1,950
Market$2,470
vs market-$520

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

90% standard$1,755 / 0.71 ratio110% standard$2,145 / 0.87 ratio
0.79
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 13738 (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.

13738 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 13738 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,160 and the 4 bedroom fair market rent is $1,950.

Use this page for searches like 13738 FMR, 13738 fair market rent, and 13738 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 13738
Bedroom sizeHUD FMR
Studio$920
1 bedroom$930
2 bedroom$1,160
3 bedroom$1,460
4 bedroom$1,950