14586
ZIPSAFMR
Monroe County, NY
BRFMR
Eff. Rent
0 BR$1,560$1,540
1 BR$1,760$1,810
2 BR$2,200$2,190
3 BR$2,650$2,380
4 BR$2,910$2,520
5 BR$3,346
6 BR$3,848
7 BR$4,426
8 BR$5,090

Purchase Price Calculator

Maximum purchase price
$263,517

Cost breakdown

+Likely effective rent$2,190
HUD FMR$2,200
Market rentUsed$2,190
Est. payment standard (100%)$2,190
Market rent is below the inferred standard ($2,190, 100% of FMR).
-Principal and interest-$1,332
Loan amount$210,813
Down payment$52,703
Rate6.50%
Term30 years
-Operating costs-$658
Property taxes-$264
Insurance-$175
Utilities$0
HOA$0
Management-$219
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,015(66.4% ROI)
Projected value
$283,779
Current value$263,517
Return breakdown
Property appreciation+$20,262
Loan principal paid down+$7,553
Rental cash flow+$7,200
5-year hold
+$60,097(114.0% ROI)
Projected value
$298,145
Current value$263,517
Return breakdown
Property appreciation+$34,628
Loan principal paid down+$13,469
Rental cash flow+$12,000
10-year hold
+$129,901(246.5% ROI)
Projected value
$337,324
Current value$263,517
Return breakdown
Property appreciation+$73,807
Loan principal paid down+$32,094
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
1.01ratio
FMR$1,560
Market$1,540
vs market+$20

FMR is near market; voucher and private rents are aligned.

90% standard$1,404 / 0.91 ratio110% standard$1,716 / 1.11 ratio
1.01
1 BR
1 BR
0.96ratio
FMR$1,760
Market$1,840
vs market-$80

FMR is near market; voucher and private rents are aligned.

90% standard$1,584 / 0.86 ratio110% standard$1,936 / 1.05 ratio
0.96
2 BR
2 BR
1.00ratio
FMR$2,200
Market$2,190
vs market+$10

FMR is near market; voucher and private rents are aligned.

90% standard$1,980 / 0.90 ratio110% standard$2,420 / 1.11 ratio
1.00
3 BR
3 BR
1.11ratio
FMR$2,650
Market$2,380
vs market+$270

FMR is above market; underwrite to market rent.

90% standard$2,385 / 1.00 ratio110% standard$2,915 / 1.22 ratio
1.11
4 BR
4 BR
1.15ratio
FMR$2,910
Market$2,520
vs market+$390

FMR is above market; underwrite to market rent.

90% standard$2,619 / 1.04 ratio110% standard$3,201 / 1.27 ratio
1.15
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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 14586 (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.

14586 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 14586 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,200 and the 4 bedroom fair market rent is $2,910.

Use this page for searches like 14586 FMR, 14586 fair market rent, and 14586 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 14586
Bedroom sizeHUD FMR
Studio$1,560
1 bedroom$1,760
2 bedroom$2,200
3 bedroom$2,650
4 bedroom$2,910