Location: Nassau-Suffolk, NY | Metro: Nassau-Suffolk, NY HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $2,150 |
| 1 Bedroom | $2,510 |
| 2 Bedrooms | $2,950 |
| 3 Bedrooms | $3,790 |
| 4 Bedrooms | $4,030 |
| 5 Bedrooms | $4,675 |
| 6 Bedrooms | $5,236 |
| 7 Bedrooms | $5,655 |
| 8 Bedrooms | $5,938 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $2,950 | $646,163 | 0.46% | F |
| 3BR | $3,790 | $784,097 | 0.48% | F |
| 4BR | $4,030 | $903,283 | 0.45% | F |
| 5BR | $4,675 | $1,076,986 | 0.43% | F |
U.S. Census Bureau data (2024)
The ZIP code 11725, located in Commack, NY, within Suffolk County, stands out due to its relatively low rental rate compared to its high median home value and income levels. With a population of 29,073 residents, only 7.4% of whom rent their homes, the area boasts a median income of $168,281 and a median home value of $791,874. These figures suggest that Commack is primarily a homeowner's community, with a significant portion of residents owning their properties.
Despite the strong homeownership trend, the voucher economics in Commack present an interesting opportunity. The Fair Market Rent (FMR) for ZIP 11725 as of the fiscal year 2024 is set at $2,770, which is notably higher than the Census-reported market rent of $2,622. This discrepancy indicates that landlords accepting Section 8 vouchers can expect slightly higher rents than the typical market rate, providing a modest advantage in terms of revenue generation.
The data signature for ZIP 11725 reads as stable. The high median income and home values suggest a consistent economic environment where most residents have the financial means to purchase and maintain their homes. The slight increase in FMR over the market rent also points to a steady demand for housing, even if it is primarily driven by homeowners rather than renters. For small-portfolio investors considering Section 8 properties, the potential for slightly above-market rents combined with the stability of the local economy makes Commack an attractive option.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.