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Monroe County/East Rochester/14445

14445

ZIPSAFMR
Monroe County, NY
Zillow

ZIP Investment Score

74Below average

095130300
BRFMR
Eff. Rent
0 BR$1,010$1,110
1 BR$1,140$1,250
2 BR$1,430$1,570
3 BR$1,710$1,880
4 BR$1,890$2,080
5 BR$2,174Not available
6 BR$2,500Not available
7 BR$2,874Not available
8 BR$3,306Not available

Purchase Price Calculator

Maximum purchase price
$171,385

Cost breakdown

+Likely effective rent$1,570
HUD FMR$1,430
Market rent$2,180
Est. payment standard (110%)Used$1,570
-Principal and interest-$867
Loan amount$137,108
Down payment$34,277
Rate6.50%
Term30 years
-Operating costs-$503
Property taxes-$171
Insurance-$175
Utilities$0
HOA$0
Management-$157
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,290(73.8% ROI)
Projected value
$184,563
Return breakdown
Property appreciation+$13,178
Loan principal paid down+$4,912
Rental cash flow+$7,200
5-year hold
+$43,281(126.3% ROI)
Projected value
$193,906
Return breakdown
Property appreciation+$22,521
Loan principal paid down+$8,760
Rental cash flow+$12,000
10-year hold
+$92,875(271.0% ROI)
Projected value
$219,387
Return breakdown
Property appreciation+$48,002
Loan principal paid down+$20,873
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.77
1 BR
0.66
2 BR
0.66
3 BR
0.67
4 BR
0.56
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 14445 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14445 (East Rochester, NY) is $1,430 a month. That is down 9.5% from $1,580 in FY 2026. East Rochester is in the Rochester, NY MSA. 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 metro-wide two-bedroom FMR of $1,416. Among 69 ZIP codes in Monroe County, 14445 has the 44th-highest two-bedroom rent (county range $1,420–$2,130). The median county two-bedroom FMR in New York is $1,385, so ZIP 14445 is 3% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14445
BedroomsFY 2027Change90–110% range
Studio$1,010−9.8%$909–$1,111
1BR$1,140−9.5%$1,026–$1,254
2BR$1,430−9.5%$1,287–$1,573
3BR$1,710−10.0%$1,539–$1,881
4BR$1,890−9.6%$1,701–$2,079

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14445
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,010$1,140$1,430$1,710$1,890
FY 2026$1,120$1,260$1,580$1,900$2,090
FY 2025$1,030$1,160$1,440$1,740$1,910
FY 2024$950$1,060$1,320$1,600$1,760
FY 2023$850$960$1,200$1,460$1,610

Two-bedroom rent in nearby Monroe County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14445
14416$1,420−0.7%
14420$1,420−0.7%
14423$1,420−0.7%
14428$1,480+3.5%
14430$1,450+1.4%
14445Current$1,430—
14450$1,620+13.3%
14464$1,420−0.7%
14467$1,450+1.4%
14468$1,490+4.2%
14470$1,420−0.7%
14472$1,420−0.7%

Questions about ZIP 14445 rents

How much will Section 8 pay for a two-bedroom in ZIP 14445?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,416, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,274 to $1,558 a month; under the ZIP-level Small Area FMR of $1,430 it would be $1,287 to $1,573. 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 14445 in?

ZIP 14445 is in the Rochester, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,416.

How much did fair market rent change in ZIP 14445 for FY 2027?

The two-bedroom FMR fell 9.5%, from $1,580 in FY 2026 to $1,430 in FY 2027. Since FY 2023 it has risen 19.2%.

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