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Tioga County/Brooktondale/14817

14817

ZIPSAFMR
Tioga County, NY
Zillow

ZIP Investment Score

95Below average

095130300
BRFMR
Eff. Rent
0 BR$1,320$1,320
1 BR$1,530$1,530
2 BR$1,830$1,830
3 BR$2,200$2,200
4 BR$2,780$2,780
5 BR$3,197Not available
6 BR$3,677Not available
7 BR$4,228Not available
8 BR$4,862Not available

Purchase Price Calculator

Maximum purchase price
$210,021

Cost breakdown

+Likely effective rent$1,830
HUD FMRUsed$1,830
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,062
Loan amount$168,017
Down payment$42,004
Rate6.50%
Term30 years
-Operating costs-$568
Property taxes-$210
Insurance-$175
Utilities$0
HOA$0
Management-$183
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,368(69.9% ROI)
Projected value
$226,169
Return breakdown
Property appreciation+$16,149
Loan principal paid down+$6,020
Rental cash flow+$7,200
5-year hold
+$50,333(119.8% ROI)
Projected value
$237,619
Return breakdown
Property appreciation+$27,598
Loan principal paid down+$10,735
Rental cash flow+$12,000
10-year hold
+$108,402(258.1% ROI)
Projected value
$268,844
Return breakdown
Property appreciation+$58,824
Loan principal paid down+$25,579
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
--
Tax rate
--
Mortgage rate
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ZIP 14817 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14817 (Brooktondale, NY) is $1,830 a month. That is down 9.9% from $2,030 in FY 2026. Brooktondale is in the Binghamton, 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 $1,219. Among 18 ZIP codes in Tioga County, 14817 has the highest two-bedroom rent (county range $1,170–$1,830). The median county two-bedroom FMR in New York is $1,385, so ZIP 14817 is 32% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14817
BedroomsFY 2027Change90–110% range
Studio$1,320−9.6%$1,188–$1,452
1BR$1,530−9.5%$1,377–$1,683
2BR$1,830−9.9%$1,647–$2,013
3BR$2,200−9.8%$1,980–$2,420
4BR$2,780−8.6%$2,502–$3,058

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14817
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,320$1,530$1,830$2,200$2,780
FY 2026$1,460$1,690$2,030$2,440$3,040
FY 2025$1,490$1,670$1,920$2,320$2,670
FY 2024$1,340$1,460$1,700$2,110$2,290
FY 2023$1,040$1,120$1,310$1,660$1,760

Two-bedroom rent in nearby Tioga County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14817
13812$1,470−19.7%
13827$1,190−35.0%
13835$1,220−33.3%
13840$1,200−34.4%
13845$1,200−34.4%
13850$1,430−21.9%
13864$1,580−13.7%
14817Current$1,830—
14859$1,540−15.8%
14883$1,580−13.7%
14889$1,400−23.5%
14892$1,190−35.0%

Questions about ZIP 14817 rents

How much will Section 8 pay for a two-bedroom in ZIP 14817?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,219, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,097 to $1,341 a month; under the ZIP-level Small Area FMR of $1,830 it would be $1,647 to $2,013. 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 14817 in?

ZIP 14817 is in the Binghamton, NY MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,219.

How much did fair market rent change in ZIP 14817 for FY 2027?

The two-bedroom FMR fell 9.9%, from $2,030 in FY 2026 to $1,830 in FY 2027. Since FY 2023 it has risen 39.7%.

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