New York · FIPS 36091 · HUD FY 2027
Saratoga County, New York Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Saratoga County is $1,711 a month (rent plus utilities), 29% below the New York average of $2,402 and 3% below the U.S. average of $1,761. That is up $9 (0.5%) from FY 2026. At 30% of income, a household needs about $68,440 a year to afford it.
- $1,7112-bedroom FMR+$9 (+0.5%) vs FY 2026
- $1,4251-bedroom FMRNew York: $2,120 · U.S.: $1,478
- $68,440Income for a 2-bedroom$33/hour full-time
- 14 of 622BR rank in New York1 = highest rent
| Unit | Saratoga County FY 2027 | FY 2026 | Change | New York avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,238 | $1,217 | +$21 (+1.7%) | $1,968 | $1,379 | $49,520 |
| 1 bedroom | $1,425 | $1,417 | +$8 (+0.6%) | $2,120 | $1,478 | $57,000 |
| 2 bedrooms | $1,711 | $1,702 | +$9 (+0.5%) | $2,402 | $1,761 | $68,440 |
| 3 bedrooms | $2,039 | $2,041 | −$2 (−0.1%) | $3,028 | $2,266 | $81,560 |
| 4 bedrooms | $2,249 | $2,253 | −$4 (−0.2%) | $3,310 | $2,607 | $89,960 |
How Saratoga County compares
- HUD sets this rent for the Albany-Schenectady-Troy, NY metro FMR area, which covers 906,052 residents in 5 counties.
- Across New York, 2-bedroom FMRs run from $1,014 (Wyoming County) to $2,971 (Bronx County).
- Studio to 4-bedroom: $1,238, $1,425, $1,711, $2,039, $2,249. 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 22 ZIP codes mostly in Saratoga County (by land area), the 2-bedroom figure ranges from $1,540 to $2,330.
Small Area FMRs by ZIP code in Saratoga County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 12019 | $1,190 | $1,370 | $1,650 | $1,970 | $2,170 | −$50 (−2.9%) | 4% below |
| 12020 | $1,530 | $1,760 | $2,110 | $2,510 | $2,770 | no change | 23% above |
| 12027 | $1,280 | $1,460 | $1,780 | $2,140 | $2,350 | −$190 (−9.6%) | 4% above |
| 12065 | $1,370 | $1,570 | $1,890 | $2,250 | $2,480 | +$50 (+2.7%) | 10% above |
| 12074 | $1,450 | $1,670 | $2,010 | $2,390 | $2,640 | +$10 (+0.5%) | 17% above |
| 12086 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 10% below |
| 12118 | $1,130 | $1,300 | $1,560 | $1,860 | $2,050 | +$40 (+2.6%) | 9% below |
| 12148 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$180 (+13.2%) | 10% below |
| 12151 | $1,610 | $1,860 | $2,230 | $2,660 | $2,930 | −$60 (−2.6%) | 30% above |
| 12170 | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 | −$50 (−2.8%) | 2% above |
| 12188 | $1,190 | $1,370 | $1,650 | $1,970 | $2,170 | +$20 (+1.2%) | 4% below |
| 12803 | $1,150 | $1,320 | $1,590 | $1,890 | $2,090 | +$20 (+1.3%) | 7% below |
| 12822 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$170 (+12.4%) | 10% below |
| 12831 | $1,270 | $1,460 | $1,750 | $2,090 | $2,300 | −$40 (−2.2%) | 2% above |
| 12833 | $1,200 | $1,380 | $1,660 | $1,980 | $2,180 | +$100 (+6.4%) | 3% below |
| 12835 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 10% below |
| 12850 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | −$20 (−1.3%) | 10% below |
| 12859 | $1,330 | $1,530 | $1,840 | $2,190 | $2,420 | −$30 (−1.6%) | 8% above |
| 12863 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$20 (+1.3%) | 10% below |
| 12866 | $1,690 | $1,940 | $2,330 | $2,780 | $3,060 | +$30 (+1.3%) | 36% above |
| 12871 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$40 (+2.7%) | 10% below |
| 12884 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 10% below |
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.