New York · FIPS 36041 · HUD FY 2027
Hamilton County, New York Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Hamilton County is $1,287 a month (rent plus utilities), 46% below the New York average of $2,402 and 27% below the U.S. average of $1,761. That is down $142 (9.9%) from FY 2026. At 30% of income, a household needs about $51,480 a year to afford it.
- $1,2872-bedroom FMR−$142 (−9.9%) vs FY 2026
- $9821-bedroom FMRNew York: $2,120 · U.S.: $1,478
- $51,480Income for a 2-bedroom$25/hour full-time
- 37 of 622BR rank in New York1 = highest rent
| Unit | Hamilton County FY 2027 | FY 2026 | Change | New York avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $968 | $1,075 | −$107 (−10.0%) | $1,968 | $1,379 | $38,720 |
| 1 bedroom | $982 | $1,089 | −$107 (−9.8%) | $2,120 | $1,478 | $39,280 |
| 2 bedrooms | $1,287 | $1,429 | −$142 (−9.9%) | $2,402 | $1,761 | $51,480 |
| 3 bedrooms | $1,542 | $1,713 | −$171 (−10.0%) | $3,028 | $2,266 | $61,680 |
| 4 bedrooms | $1,703 | $1,892 | −$189 (−10.0%) | $3,310 | $2,607 | $68,120 |
How Hamilton County compares
- Hamilton County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across New York, 2-bedroom FMRs run from $1,014 (Wyoming County) to $2,971 (Bronx County).
- Studio to 4-bedroom: $968, $982, $1,287, $1,542, $1,703. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 13 ZIP codes mostly in Hamilton County (by land area), the 2-bedroom figure ranges from $1,290 to $1,570.
Small Area FMRs by ZIP code in Hamilton County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 12032 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 12108 | $970 | $990 | $1,290 | $1,550 | $1,710 | −$140 (−9.8%) | about the same as |
| 12134 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 20% above |
| 12139 | $980 | $990 | $1,290 | $1,550 | $1,710 | −$140 (−9.8%) | about the same as |
| 12164 | $1,150 | $1,200 | $1,570 | $1,870 | $2,060 | −$80 (−4.8%) | 22% above |
| 12190 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 12812 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 12842 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 12847 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 12864 | $970 | $990 | $1,290 | $1,550 | $1,710 | +$90 (+7.5%) | about the same as |
| 13353 | $980 | $990 | $1,290 | $1,550 | $1,710 | −$140 (−9.8%) | about the same as |
| 13360 | $980 | $990 | $1,290 | $1,550 | $1,710 | −$140 (−9.8%) | about the same as |
| 13436 | $980 | $990 | $1,290 | $1,550 | $1,710 | −$140 (−9.8%) | about the same as |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.