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Erie County/Eden/14057

14057

ZIPSAFMR
Erie County, NY
Zillow

ZIP Investment Score

57Below average

095130300
BRFMR
Eff. Rent
0 BR$1,040$1,040
1 BR$1,060$1,060
2 BR$1,260$1,260
3 BR$1,530$1,530
4 BR$1,750$1,750
5 BR$2,012Not available
6 BR$2,314Not available
7 BR$2,662Not available
8 BR$3,061Not available

Purchase Price Calculator

Maximum purchase price
$125,319

Cost breakdown

+Likely effective rent$1,260
HUD FMRUsed$1,260
Market rentN/A
Est. payment standardN/A
-Principal and interest-$634
Loan amount$100,255
Down payment$25,064
Rate6.50%
Term30 years
-Operating costs-$426
Property taxes-$125
Insurance-$175
Utilities$0
HOA$0
Management-$126
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$20,428(81.5% ROI)
Projected value
$134,955
Return breakdown
Property appreciation+$9,636
Loan principal paid down+$3,592
Rental cash flow+$7,200
5-year hold
+$34,873(139.1% ROI)
Projected value
$141,787
Return breakdown
Property appreciation+$16,468
Loan principal paid down+$6,405
Rental cash flow+$12,000
10-year hold
+$74,363(296.7% ROI)
Projected value
$160,419
Return breakdown
Property appreciation+$35,100
Loan principal paid down+$15,263
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 14057 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14057 (Eden, NY) is $1,260 a month. That is down 2.3% from $1,290 in FY 2026. Eden is in the Buffalo-Cheektowaga, NY MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 89 ZIP codes in Erie County, 14057 has the 66th-highest two-bedroom rent (county range $1,010–$2,130). The median county two-bedroom FMR in New York is $1,385, so ZIP 14057 is 9% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14057
BedroomsFY 2027Change90–110% range
Studio$1,040−1.9%$936–$1,144
1BR$1,060−2.8%$954–$1,166
2BR$1,260−2.3%$1,134–$1,386
3BR$1,530−3.2%$1,377–$1,683
4BR$1,750−2.8%$1,575–$1,925

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14057
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,040$1,060$1,260$1,530$1,750
FY 2026$1,060$1,090$1,290$1,580$1,800
FY 2025$950$990$1,160$1,420$1,600
FY 2024$890$930$1,090$1,330$1,500
FY 2023$770$810$950$1,160$1,310

Two-bedroom rent in nearby Erie County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14057
14043$1,430+13.5%
14047$1,310+4.0%
14051$2,130+69.0%
14052$1,370+8.7%
14055$1,220−3.2%
14057Current$1,260—
14059$1,710+35.7%
14061$1,220−3.2%
14068$1,890+50.0%
14069$1,210−4.0%
14070$1,010−19.8%
14072$1,640+30.2%

Questions about ZIP 14057 rents

How much will Section 8 pay for a two-bedroom in ZIP 14057?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,260, that basic range is $1,134 to $1,386 a month. 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 14057 in?

ZIP 14057 is in the Buffalo-Cheektowaga, NY MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 14057 for FY 2027?

The two-bedroom FMR fell 2.3%, from $1,290 in FY 2026 to $1,260 in FY 2027. Since FY 2023 it has risen 32.6%.

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