Herkimer County, NY: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,2102-bedroom FMR, FY2027

$9461-bedroom FMR, FY2027

$78,30080% income limit, family of 4 (FY2026)

$98,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Herkimer County is $1,210 a month, up 3.2% from $1,172 in FY2026. Herkimer County belongs to the Utica-Rome, NY MSA FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Herkimer County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$857	$899	−4.7%	$772 – $942
1 bedroom	$946	$926	+2.2%	$852 – $1,040
2 bedrooms	$1,210	$1,172	+3.2%	$1,089 – $1,331
3 bedrooms	$1,442	$1,405	+2.6%	$1,298 – $1,586
4 bedrooms	$1,636	$1,623	+0.8%	$1,473 – $1,799

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Herkimer County that is typically $1,089 to $1,331 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$36,250median income of renter households

$823Median gross rent, all units

27%Rent-to-income ratio (median rent ÷ median renter income)

41%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $36,250 can afford about $906 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,210 is $304 (33.5%) more than that. To rent a two-bedroom at the FMR, a household needs $48,400 a year under the 30% rule, or $43,560 under the common landlord rule that income must be three times the rent.

Herkimer County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$823 ±$32
Median income of renter households	$36,250 ±$5,622
Renters paying 30% or more of income (cost-burdened)	41.4% ±6.3
Renters paying 50% or more (severely cost-burdened)	20.7% ±5.0
Renter households (where the share can be computed)	5,369

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$675	$823	+21.9%
Median renter household income	$33,688	$36,250	+7.6%
Renters paying 30%+ of income	34.2%	41.4%	+7.2 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,060 to $1,610 depending on the ZIP code.

All 84 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
13032	$920	$1,050	$1,310	$1,580	$1,720
13042	$1,070	$1,200	$1,510	$1,820	$2,010
13054	$860	$950	$1,220	$1,450	$1,650
13123	$990	$1,100	$1,400	$1,670	$1,870
13157	$870	$910	$1,170	$1,390	$1,580
13162	$860	$960	$1,220	$1,460	$1,650
13301	$900	$930	$1,170	$1,410	$1,620
13303	$870	$960	$1,230	$1,470	$1,660
13304	$810	$860	$1,090	$1,310	$1,480
13308	$950	$1,020	$1,310	$1,560	$1,770
13309	$810	$840	$1,060	$1,270	$1,490
13313	$810	$840	$1,060	$1,270	$1,470
13316	$900	$1,020	$1,260	$1,530	$1,670
13318	$810	$840	$1,060	$1,270	$1,470
13319	$810	$840	$1,060	$1,270	$1,470
13321	$950	$1,050	$1,340	$1,600	$1,810
13322	$930	$960	$1,210	$1,450	$1,680
13323	$1,020	$1,130	$1,440	$1,720	$1,950
13324	$810	$840	$1,060	$1,270	$1,470
13328	$860	$960	$1,220	$1,460	$1,650
13329	$810	$840	$1,060	$1,270	$1,470
13331	$970	$990	$1,290	$1,550	$1,710
13338	$1,000	$1,040	$1,310	$1,570	$1,810
13339	$810	$840	$1,060	$1,290	$1,470
13340	$810	$890	$1,140	$1,360	$1,540
13341	$870	$960	$1,230	$1,470	$1,660
13350	$810	$880	$1,130	$1,350	$1,530
13352	$810	$840	$1,080	$1,290	$1,470
13354	$810	$840	$1,060	$1,270	$1,470
13357	$840	$930	$1,190	$1,420	$1,610
13360	$980	$990	$1,290	$1,550	$1,710
13361	$810	$870	$1,110	$1,330	$1,470
13362	$870	$960	$1,230	$1,470	$1,660
13363	$1,090	$1,130	$1,430	$1,710	$1,980
13365	$810	$840	$1,060	$1,270	$1,470
13367	$810	$860	$1,060	$1,410	$1,600
13401	$870	$960	$1,230	$1,470	$1,660
13402	$900	$1,020	$1,280	$1,540	$1,690
13403	$1,140	$1,260	$1,610	$1,920	$2,180
13406	$810	$840	$1,060	$1,270	$1,470
13407	$810	$840	$1,060	$1,270	$1,470
13409	$910	$1,040	$1,300	$1,570	$1,700
13413	$1,020	$1,130	$1,440	$1,720	$1,950
13416	$810	$840	$1,060	$1,270	$1,470
13417	$810	$870	$1,110	$1,320	$1,500
13420	$810	$860	$1,100	$1,310	$1,490
13421	$900	$1,020	$1,260	$1,530	$1,670
13424	$810	$840	$1,080	$1,290	$1,470
13425	$900	$1,020	$1,260	$1,530	$1,670
13431	$810	$840	$1,060	$1,270	$1,470
13435	$810	$840	$1,080	$1,290	$1,470
13438	$810	$840	$1,080	$1,290	$1,470
13439	$810	$870	$1,110	$1,330	$1,470
13440	$890	$980	$1,250	$1,490	$1,690
13441	$890	$980	$1,250	$1,490	$1,690
13442	$870	$960	$1,230	$1,470	$1,660
13454	$810	$840	$1,060	$1,270	$1,470
13455	$820	$900	$1,150	$1,370	$1,560
13456	$810	$840	$1,060	$1,270	$1,470
13461	$1,020	$1,130	$1,440	$1,720	$1,950
13469	$1,030	$1,130	$1,450	$1,730	$1,960
13470	$810	$840	$1,060	$1,270	$1,470
13471	$1,010	$1,110	$1,420	$1,690	$1,920
13472	$810	$860	$1,100	$1,310	$1,490
13475	$810	$870	$1,110	$1,330	$1,470
13476	$820	$910	$1,160	$1,380	$1,570
13477	$810	$840	$1,060	$1,270	$1,470
13478	$810	$880	$1,130	$1,350	$1,530
13479	$870	$960	$1,230	$1,470	$1,660
13480	$900	$1,020	$1,260	$1,530	$1,670
13483	$1,020	$1,130	$1,440	$1,720	$1,950
13486	$950	$1,050	$1,340	$1,600	$1,810
13489	$810	$920	$1,090	$1,510	$1,710
13490	$880	$970	$1,240	$1,470	$1,670
13491	$900	$1,020	$1,260	$1,530	$1,670
13492	$880	$970	$1,240	$1,480	$1,680
13493	$900	$1,020	$1,260	$1,530	$1,670
13494	$910	$960	$1,230	$1,470	$1,660
13495	$890	$980	$1,250	$1,490	$1,690
13501	$830	$910	$1,170	$1,390	$1,580
13502	$920	$1,020	$1,300	$1,550	$1,760
13503	$870	$960	$1,230	$1,470	$1,660
13504	$870	$960	$1,230	$1,470	$1,660
13505	$870	$960	$1,230	$1,470	$1,660

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Herkimer County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $98,500 (FY2025: $89,000, +10.7%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$20,550 +9.9%	$23,500 +9.8%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$34,250 +10.0%	$39,150 +10.0%	$44,050 +10.0%	$48,950 +10.0%	$52,900 +10.0%	$56,800 +10.0%	$60,700 +10.0%	$64,600 +10.0%
Low income (80%)	$54,800 +9.9%	$62,650 +9.9%	$70,500 +10.0%	$78,300 +10.0%	$84,550 +9.9%	$90,850 +10.0%	$97,100 +10.0%	$103,400 +10.0%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.