Location: Columbia County, NY | Metro: Columbia County, NY
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,260 |
| 1 Bedroom | $1,300 |
| 2 Bedrooms | $1,500 |
| 3 Bedrooms | $1,830 |
| 4 Bedrooms | $1,970 |
| 5 Bedrooms | $2,285 |
| 6 Bedrooms | $2,559 |
| 7 Bedrooms | $2,764 |
| 8 Bedrooms | $2,902 |
The ZIP code 12541 encompasses a thriving suburban community in Livingston, NY, with a total population of 42,541 residents. The neighborhood is moderately sized and boasts a diverse demographic makeup, featuring a median age of 38.8 years and a mix of educational backgrounds.
The median household income in this area stands at $47,541, reflecting a working-class earning profile that is 100.1% higher than the state average. Median home values are also noteworthy, sitting at $217,832, which is 100.5% above the state average. This indicates a competitive real estate market where property values are rising faster than the statewide average.
Moving into the realm of rent economics, the Fair Market Rent (FMR) for ZIP 12541 is set at $1,430 for the metro fiscal year 2026. In contrast, the current median rent is $1,320, representing a 41.9% increase over the past five years. The FMR is slightly higher than the actual median rent, suggesting that the market may be poised for growth.
Given these figures, ZIP 12541 is well-suited for both hands-off voucher operators and hands-on value-add buyers. Voucher operators can rely on the robust support from the federal government, given the FMR is above the current market rent. Meanwhile, value-add buyers can leverage the rising property values and the relatively low unemployment rate of 9.2%, coupled with a strong job market in industries such as healthcare, manufacturing, and professional services.
The overall livability score of 72 out of 100 reflects a good quality of life, with particular strengths in amenities and housing. The cost of living index is 59, which is significantly below the national average of 100, making it an attractive location for those looking to stretch their dollars further.
Data Sources: FMR data from HUD (2027).
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.