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Delaware County/Otego/13825

13825

ZIPSAFMR
Delaware County, NY
Zillow

ZIP Investment Score

84Below average

095130300
BRFMR
Eff. Rent
0 BR$770$850
1 BR$870$960
2 BR$1,110$1,220
3 BR$1,330$1,460
4 BR$1,490$1,640
5 BR$1,713Not available
6 BR$1,971Not available
7 BR$2,266Not available
8 BR$2,606Not available

Purchase Price Calculator

Maximum purchase price
$119,375

Cost breakdown

+Likely effective rent$1,220
HUD FMR$1,110
Market rent$1,420
Est. payment standard (110%)Used$1,220
-Principal and interest-$604
Loan amount$95,500
Down payment$23,875
Rate6.50%
Term30 years
-Operating costs-$416
Property taxes-$119
Insurance-$175
Utilities$0
HOA$0
Management-$122
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$19,800(82.9% ROI)
Projected value
$128,554
Return breakdown
Property appreciation+$9,179
Loan principal paid down+$3,422
Rental cash flow+$7,200
5-year hold
+$33,788(141.5% ROI)
Projected value
$135,062
Return breakdown
Property appreciation+$15,687
Loan principal paid down+$6,102
Rental cash flow+$12,000
10-year hold
+$71,974(301.5% ROI)
Projected value
$152,810
Return breakdown
Property appreciation+$33,435
Loan principal paid down+$14,539
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.79
1 BR
0.80
2 BR
0.78
3 BR
0.75
4 BR
0.67
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 13825 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13825 (Otego, NY) is $1,110 a month. That is unchanged from FY 2026. Otego is in the Delaware 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 $1,017. Among 46 ZIP codes in Delaware County, 13825 is tied for the 30th-highest two-bedroom rent (county range $1,010–$1,880). The median county two-bedroom FMR in New York is $1,385, so ZIP 13825 is 20% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13825
BedroomsFY 2027Change90–110% range
Studio$7700.0%$693–$847
1BR$8700.0%$783–$957
2BR$1,1100.0%$999–$1,221
3BR$1,3300.0%$1,197–$1,463
4BR$1,490+1.4%$1,341–$1,639

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13825
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$770$870$1,110$1,330$1,490
FY 2026$770$870$1,110$1,330$1,470
FY 2025$740$860$1,070$1,290$1,420
FY 2024area FMR$785$798$905$1,275$1,280
FY 2023area FMR$715$723$826$1,135$1,139

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Delaware County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 13825
13804$1,320+18.9%
13806$1,450+30.6%
13820$1,270+14.4%
13825Current$1,110—
13838$1,1100.0%
13839$1,010−9.0%
13842$1,130+1.8%
13846$1,190+7.2%
13847$1,010−9.0%
13849$1,140+2.7%
13856$1,010−9.0%
13860$1,300+17.1%

Questions about ZIP 13825 rents

How much will Section 8 pay for a two-bedroom in ZIP 13825?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,017, which applies unless the housing authority uses Small Area FMRs, that basic range is $915 to $1,119 a month; under the ZIP-level Small Area FMR of $1,110 it would be $999 to $1,221. 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 13825 in?

ZIP 13825 is in the Delaware County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,017.

How much did fair market rent change in ZIP 13825 for FY 2027?

The two-bedroom FMR was unchanged at $1,110 in FY 2027. Since FY 2025 it has risen 3.7%.

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