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Steuben County/Cameron/14819

14819

ZIPSAFMR
Steuben County, NY
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$1,250$1,250
1 BR$1,260$1,260
2 BR$1,590$1,590
3 BR$2,100$2,100
4 BR$2,660$2,660
5 BR$3,059Not available
6 BR$3,518Not available
7 BR$4,046Not available
8 BR$4,652Not available

Purchase Price Calculator

Maximum purchase price
$174,357

Cost breakdown

+Likely effective rent$1,590
HUD FMRUsed$1,590
Market rentN/A
Est. payment standardN/A
-Principal and interest-$882
Loan amount$139,485
Down payment$34,871
Rate6.50%
Term30 years
-Operating costs-$508
Property taxes-$174
Insurance-$175
Utilities$0
HOA$0
Management-$159
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,604(73.4% ROI)
Projected value
$187,763
Return breakdown
Property appreciation+$13,406
Loan principal paid down+$4,997
Rental cash flow+$7,200
5-year hold
+$43,824(125.7% ROI)
Projected value
$197,269
Return breakdown
Property appreciation+$22,912
Loan principal paid down+$8,912
Rental cash flow+$12,000
10-year hold
+$94,070(269.8% ROI)
Projected value
$223,192
Return breakdown
Property appreciation+$48,835
Loan principal paid down+$21,235
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 14819 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 14819 (Cameron, NY) is $1,590 a month. That is down 1.9% from $1,620 in FY 2026. Cameron is in the Steuben 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 $1,058. Among 39 ZIP codes in Steuben County, 14819 is tied for the highest two-bedroom rent (county range $1,010–$1,590). The median county two-bedroom FMR in New York is $1,385, so ZIP 14819 is 15% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 14819
BedroomsFY 2027Change90–110% range
Studio$1,250−3.8%$1,125–$1,375
1BR$1,260−3.1%$1,134–$1,386
2BR$1,590−1.9%$1,431–$1,749
3BR$2,100−0.5%$1,890–$2,310
4BR$2,660−1.5%$2,394–$2,926

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 14819
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,250$1,260$1,590$2,100$2,660
FY 2026$1,300$1,300$1,620$2,110$2,700
FY 2025$1,150$1,150$1,400$1,810$2,350
FY 2024area FMR$743$759$905$1,167$1,497
FY 2023area FMR$676$714$844$1,099$1,407

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

Two-bedroom rent in nearby Steuben County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 14819
14808$1,040−34.6%
14809$1,010−36.5%
14810$1,010−36.5%
14812$1,200−24.5%
14814$1,310−17.6%
14815$1,050−34.0%
14819Current$1,590—
14820$1,010−36.5%
14821$1,100−30.8%
14823$1,010−36.5%
14826$1,010−36.5%
14827$1,070−32.7%

Questions about ZIP 14819 rents

How much will Section 8 pay for a two-bedroom in ZIP 14819?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,058, which applies unless the housing authority uses Small Area FMRs, that basic range is $952 to $1,164 a month; under the ZIP-level Small Area FMR of $1,590 it would be $1,431 to $1,749. 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 14819 in?

ZIP 14819 is in the Steuben County, NY non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,058.

How much did fair market rent change in ZIP 14819 for FY 2027?

The two-bedroom FMR fell 1.9%, from $1,620 in FY 2026 to $1,590 in FY 2027. Since FY 2025 it has risen 13.6%.

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