Location: St. Lawrence County, NY | Metro: St. Lawrence County, NY
| Unit Size | Monthly FMR |
|---|---|
| Studio | $720 |
| 1 Bedroom | $800 |
| 2 Bedrooms | $1,040 |
| 3 Bedrooms | $1,240 |
| 4 Bedrooms | $1,370 |
| 5 Bedrooms | $1,589 |
| 6 Bedrooms | $1,780 |
| 7 Bedrooms | $1,922 |
| 8 Bedrooms | $2,018 |
The ZIP code 13645 in St. Lawrence County, NY, can serve as a cash-flow anchor within a Section 8 portfolio strategy. The Federal Market Rent (FMR) for the metro area in fiscal year 2026 is set at $1,070. While specific market data for ZIP 13645 is not readily available, we can infer its role based on broader county trends.
Zillow reports that the average home value in St. Lawrence County, NY, is $137,846, up 3.0% over the past year. This indicates a relatively stable housing market, which supports the idea of using ZIP 13645 as a cash-flow anchor. The FMR of $1,070 suggests that rental properties in this ZIP code can be rented at rates that exceed the cost of ownership, thus generating positive cash flow. The spread between the FMR and potential market rents in ZIP 13645 could provide a buffer against fluctuations in operating costs and vacancies.
Given the lack of specific appreciation play indicators such as price-cut shares and days on market, it is prudent to focus on the cash-flow aspect. The stability of the housing market in St. Lawrence County and the likelihood of maintaining or slightly increasing rental rates over time make ZIP 13645 a reliable asset for steady income generation. Landlords and small-portfolio investors can leverage this ZIP code to ensure consistent returns, which is essential for managing a diverse investment portfolio.
While diversification is also important, ZIP 13645 is better suited as a cash-flow anchor due to the limited data suggesting strong appreciation potential. Its role in a Section 8 portfolio should be to provide a solid foundation of predictable income, allowing investors to take on riskier investments elsewhere in their portfolio with greater confidence.
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.