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Delaware County/Treadwell/13846

13846

ZIPSAFMR
Delaware County, NY
Zillow

ZIP Investment Score

93Below average

095130300
BRFMR
Eff. Rent
0 BR$830$830
1 BR$990$1,090
2 BR$1,190$1,310
3 BR$1,610$1,680
4 BR$1,670$1,760
5 BR$1,920Not available
6 BR$2,209Not available
7 BR$2,540Not available
8 BR$2,921Not available

Purchase Price Calculator

Maximum purchase price
$132,749

Cost breakdown

+Likely effective rent$1,310
HUD FMR$1,190
Market rent$1,420
Est. payment standard (110%)Used$1,310
-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
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
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
Return breakdown
Property appreciation+$37,181
Loan principal paid down+$16,168
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

1 BR
0.74
2 BR
0.84
3 BR
0.94
4 BR
0.92
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 13846 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 13846 (Treadwell, NY) is $1,190 a month. That is up 8.2% from $1,100 in FY 2026. Treadwell 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, 13846 is tied for the 22nd-highest two-bedroom rent (county range $1,010–$1,880). The median county two-bedroom FMR in New York is $1,385, so ZIP 13846 is 14% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 13846
BedroomsFY 2027Change90–110% range
Studio$830−1.2%$747–$913
1BR$990+7.6%$891–$1,089
2BR$1,190+8.2%$1,071–$1,309
3BR$1,610+8.8%$1,449–$1,771
4BR$1,670+7.7%$1,503–$1,837

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 13846
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$830$990$1,190$1,610$1,670
FY 2026$840$920$1,100$1,480$1,550
FY 2025$850$890$1,040$1,410$1,440
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. 13846
13804$1,320+10.9%
13806$1,450+21.8%
13820$1,270+6.7%
13825$1,110−6.7%
13838$1,110−6.7%
13839$1,010−15.1%
13842$1,130−5.0%
13846Current$1,190—
13847$1,010−15.1%
13849$1,140−4.2%
13856$1,010−15.1%
13860$1,300+9.2%

Questions about ZIP 13846 rents

How much will Section 8 pay for a two-bedroom in ZIP 13846?

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 $1,190 it would be $1,071 to $1,309. 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 13846 in?

ZIP 13846 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 13846 for FY 2027?

The two-bedroom FMR rose 8.2%, from $1,100 in FY 2026 to $1,190 in FY 2027. Since FY 2025 it has risen 14.4%.

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