14086
ZIPSAFMR
Erie County, NY
BRFMR
Eff. Rent
0 BR$1,060$1,170
1 BR$1,090$1,200
2 BR$1,290$1,420
3 BR$1,580$1,740
4 BR$1,800$1,980
5 BR$2,070
6 BR$2,380
7 BR$2,738
8 BR$3,148

Purchase Price Calculator

Maximum purchase price
$149,095

Cost breakdown

+Likely effective rent$1,420
HUD FMR$1,290
Market rent$1,880
Est. payment standard (110%)Used$1,420
Estimated payment standard is $1,420 (110% of FMR).
-Principal and interest-$754
Loan amount$119,276
Down payment$29,819
Rate6.50%
Term30 years
-Operating costs-$466
Property taxes-$149
Insurance-$175
Utilities$0
HOA$0
Management-$142
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$22,937(76.9% ROI)
Projected value
$160,559
Current value$149,095
Return breakdown
Property appreciation+$11,464
Loan principal paid down+$4,273
Rental cash flow+$7,200
5-year hold
+$39,213(131.5% ROI)
Projected value
$168,687
Current value$149,095
Return breakdown
Property appreciation+$19,592
Loan principal paid down+$7,621
Rental cash flow+$12,000
10-year hold
+$83,918(281.4% ROI)
Projected value
$190,854
Current value$149,095
Return breakdown
Property appreciation+$41,759
Loan principal paid down+$18,158
Rental cash flow+$24,000

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Market Alignment

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

Studio
Studio
0.85ratio
FMR$1,060
Market$1,250
vs market-$190

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

90% standard$954 / 0.76 ratio110% standard$1,166 / 0.93 ratio
0.85
1 BR
1 BR
0.77ratio
FMR$1,090
Market$1,410
vs market-$320

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

90% standard$981 / 0.70 ratio110% standard$1,199 / 0.85 ratio
0.77
2 BR
2 BR
0.69ratio
FMR$1,290
Market$1,880
vs market-$590

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

90% standard$1,161 / 0.62 ratio110% standard$1,419 / 0.75 ratio
0.69
3 BR
3 BR
0.71ratio
FMR$1,580
Market$2,240
vs market-$660

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

90% standard$1,422 / 0.63 ratio110% standard$1,738 / 0.78 ratio
0.71
4 BR
4 BR
0.77ratio
FMR$1,800
Market$2,330
vs market-$530

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

90% standard$1,620 / 0.70 ratio110% standard$1,980 / 0.85 ratio
0.77
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom 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 14086 (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.

14086 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 14086 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,290 and the 4 bedroom fair market rent is $1,800.

Use this page for searches like 14086 FMR, 14086 fair market rent, and 14086 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 14086
Bedroom sizeHUD FMR
Studio$1,060
1 bedroom$1,090
2 bedroom$1,290
3 bedroom$1,580
4 bedroom$1,800