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Wyoming County/North Java/14113

14113

ZIPSAFMR
Wyoming County, NY
Zillow

ZIP Investment Score

87Below average

095130300
BRFMR
Eff. Rent
0 BR$870$870
1 BR$880$880
2 BR$1,030$1,030
3 BR$1,400$1,400
4 BR$1,710$1,710
5 BR$1,966Not available
6 BR$2,261Not available
7 BR$2,601Not available
8 BR$2,991Not available

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMRUsed$1,030
Market rentN/A
Est. payment standardN/A
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
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 14113 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14113 (North Java, NY) is $1,030 a month. That is down 8.8% from $1,130 in FY 2026. North Java is in the Wyoming 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 $1,014. Among 29 ZIP codes in Wyoming County, 14113 is tied for the 20th-highest two-bedroom rent (county range $1,010–$1,420). The median county two-bedroom FMR in New York is $1,385, so ZIP 14113 is 26% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14113
BedroomsFY 2027Change90–110% range
Studio$870+1.2%$783–$957
1BR$880−8.3%$792–$968
2BR$1,030−8.8%$927–$1,133
3BR$1,400−9.7%$1,260–$1,540
4BR$1,710−5.0%$1,539–$1,881

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14113
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$870$880$1,030$1,400$1,710
FY 2026$860$960$1,130$1,550$1,800
FY 2025$950$1,060$1,250$1,720$2,000
FY 2024area FMR$724$728$905$1,220$1,345
FY 2023area FMR$623$628$826$1,096$1,178

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

Two-bedroom rent in nearby Wyoming County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14113
14039$1,0300.0%
14040$1,110+7.8%
14042$1,100+6.8%
14052$1,370+33.0%
14054$1,060+2.9%
14066$1,010−1.9%
14082$1,080+4.9%
14083$1,050+1.9%
14113Current$1,030—
14130$1,020−1.0%
14145$1,010−1.9%
14167$1,010−1.9%

Questions about ZIP 14113 rents

How much will Section 8 pay for a two-bedroom in ZIP 14113?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,014, which applies unless the housing authority uses Small Area FMRs, that basic range is $913 to $1,115 a month; under the ZIP-level Small Area FMR of $1,030 it would be $927 to $1,133. 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 14113 in?

ZIP 14113 is in the Wyoming County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,014.

How much did fair market rent change in ZIP 14113 for FY 2027?

The two-bedroom FMR fell 8.8%, from $1,130 in FY 2026 to $1,030 in FY 2027. Since FY 2025 it has fallen 17.6%.

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