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Niagara County/Middleport/14105

14105

ZIPSAFMR
Niagara County, NY
Zillow

ZIP Investment Score

78Below average

095130300
BRFMR
Eff. Rent
0 BR$840$840
1 BR$860$860
2 BR$1,010$1,010
3 BR$1,230$1,330
4 BR$1,420$1,420
5 BR$1,633Not available
6 BR$1,878Not available
7 BR$2,160Not available
8 BR$2,484Not available

Purchase Price Calculator

Maximum purchase price
$88,169

Cost breakdown

+Likely effective rent$1,010
HUD FMRUsed$1,010
Market rentN/A
Est. payment standardN/A
-Principal and interest-$446
Loan amount$70,535
Down payment$17,634
Rate6.50%
Term30 years
-Operating costs-$364
Property taxes-$88
Insurance-$175
Utilities$0
HOA$0
Management-$101
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,506(93.6% ROI)
Projected value
$94,948
Return breakdown
Property appreciation+$6,779
Loan principal paid down+$2,527
Rental cash flow+$7,200
5-year hold
+$28,093(159.3% ROI)
Projected value
$99,755
Return breakdown
Property appreciation+$11,586
Loan principal paid down+$4,507
Rental cash flow+$12,000
10-year hold
+$59,433(337.0% ROI)
Projected value
$112,864
Return breakdown
Property appreciation+$24,695
Loan principal paid down+$10,738
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

3 BR
0.88
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 14105 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14105 (Middleport, NY) is $1,010 a month. That is down 5.6% from $1,070 in FY 2026. Middleport 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 27 ZIP codes in Niagara County, 14105 has the 27th-highest two-bedroom rent (county range $1,010–$2,130). The median county two-bedroom FMR in New York is $1,385, so ZIP 14105 is 27% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14105
BedroomsFY 2027Change90–110% range
Studio$840+5.0%$756–$924
1BR$8600.0%$774–$946
2BR$1,010−5.6%$909–$1,111
3BR$1,230−4.7%$1,107–$1,353
4BR$1,4200.0%$1,278–$1,562

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14105
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$840$860$1,010$1,230$1,420
FY 2026$800$860$1,070$1,290$1,420
FY 2025$860$950$1,180$1,430$1,570
FY 2024$790$860$1,070$1,300$1,440
FY 2023$700$750$940$1,160$1,270

Two-bedroom rent in nearby Niagara County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14105
14092$1,330+31.7%
14094$1,310+29.7%
14095$1,240+22.8%
14098$1,260+24.8%
14103$1,190+17.8%
14105Current$1,010—
14107$1,240+22.8%
14108$1,130+11.9%
14109$1,330+31.7%
14120$1,340+32.7%
14126$1,240+22.8%
14131$1,180+16.8%

Questions about ZIP 14105 rents

How much will Section 8 pay for a two-bedroom in ZIP 14105?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,010, that basic range is $909 to $1,111 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 14105 in?

ZIP 14105 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 14105 for FY 2027?

The two-bedroom FMR fell 5.6%, from $1,070 in FY 2026 to $1,010 in FY 2027. Since FY 2023 it has risen 7.4%.

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