Ontario 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).

$1,4162-bedroom FMR, FY2027

$1,1311-bedroom FMR, FY2027

$85,60080% income limit, family of 4 (FY2026)

$107,000Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Ontario County is $1,416 a month, down 10.0% from $1,573 in FY2026. Ontario County belongs to the Rochester, 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 Ontario County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,005	$1,116	−9.9%	$905 – $1,105
1 bedroom	$1,131	$1,256	−10.0%	$1,018 – $1,244
2 bedrooms	$1,416	$1,573	−10.0%	$1,275 – $1,557
3 bedrooms	$1,706	$1,895	−10.0%	$1,536 – $1,876
4 bedrooms	$1,875	$2,083	−10.0%	$1,688 – $2,062

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 Ontario County that is typically $1,275 to $1,557 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?

$54,039median income of renter households

$1,150Median gross rent, all units

26%Rent-to-income ratio (median rent ÷ median renter income)

46%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $54,039 can afford about $1,351 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,416 is $65 (4.8%) more than that. To rent a two-bedroom at the FMR, a household needs $56,640 a year under the 30% rule, or $50,976 under the common landlord rule that income must be three times the rent.

Ontario County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,150 ±$35
Median income of renter households	$54,039 ±$4,113
Renters paying 30% or more of income (cost-burdened)	46.4% ±4.6
Renters paying 50% or more (severely cost-burdened)	20.0% ±3.1
Renter households (where the share can be computed)	11,821

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$896	$1,150	+28.3%
Median renter household income	$37,025	$54,039	+46.0%
Renters paying 30%+ of income	46.9%	46.4%	−0.5 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 $1,010 to $2,130 depending on the ZIP code.

All 151 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
13143	$1,020	$1,140	$1,420	$1,710	$1,900
13146	$1,010	$1,140	$1,420	$1,710	$1,880
13148	$1,010	$1,140	$1,420	$1,710	$1,920
13154	$1,010	$1,140	$1,420	$1,710	$1,880
13156	$1,010	$1,140	$1,420	$1,710	$1,880
13165	$1,010	$1,140	$1,420	$1,710	$1,880
14012	$1,000	$1,020	$1,210	$1,470	$1,680
14058	$1,010	$1,140	$1,420	$1,710	$1,880
14098	$900	$1,010	$1,260	$1,530	$1,670
14103	$850	$950	$1,190	$1,440	$1,580
14105	$840	$860	$1,010	$1,230	$1,420
14125	$1,010	$1,140	$1,420	$1,710	$1,880
14410	$1,030	$1,170	$1,450	$1,750	$1,920
14411	$1,010	$1,140	$1,420	$1,710	$1,880
14413	$1,130	$1,270	$1,590	$1,920	$2,100
14414	$1,010	$1,140	$1,420	$1,710	$1,880
14416	$1,010	$1,140	$1,420	$1,710	$1,880
14420	$1,010	$1,140	$1,420	$1,710	$1,880
14422	$1,010	$1,140	$1,420	$1,710	$1,880
14423	$1,010	$1,140	$1,420	$1,710	$1,880
14424	$1,030	$1,170	$1,450	$1,750	$1,920
14425	$1,280	$1,440	$1,810	$2,180	$2,390
14428	$1,050	$1,180	$1,480	$1,790	$1,960
14429	$1,010	$1,140	$1,420	$1,710	$1,880
14430	$1,030	$1,170	$1,450	$1,750	$1,920
14432	$1,010	$1,140	$1,420	$1,710	$1,880
14433	$1,010	$1,140	$1,420	$1,710	$1,880
14435	$1,050	$1,170	$1,470	$1,770	$1,950
14437	$1,010	$1,140	$1,420	$1,710	$1,880
14445	$1,010	$1,140	$1,430	$1,710	$1,890
14449	$1,010	$1,140	$1,420	$1,710	$1,880
14450	$1,150	$1,290	$1,620	$1,950	$2,140
14452	$1,010	$1,140	$1,420	$1,710	$1,880
14453	$1,010	$1,140	$1,420	$1,710	$1,880
14454	$1,040	$1,170	$1,460	$1,760	$1,930
14456	$1,010	$1,140	$1,420	$1,710	$1,880
14461	$1,010	$1,140	$1,420	$1,710	$1,880
14462	$1,010	$1,140	$1,420	$1,710	$1,880
14463	$1,010	$1,140	$1,420	$1,710	$1,880
14464	$1,010	$1,140	$1,420	$1,710	$1,880
14466	$1,010	$1,140	$1,420	$1,710	$1,880
14467	$1,030	$1,170	$1,450	$1,750	$1,920
14468	$1,050	$1,180	$1,490	$1,790	$1,960
14469	$1,010	$1,140	$1,420	$1,710	$1,880
14470	$1,010	$1,140	$1,420	$1,710	$1,880
14471	$1,050	$1,170	$1,470	$1,770	$1,950
14472	$1,010	$1,140	$1,420	$1,710	$1,880
14475	$1,010	$1,140	$1,420	$1,710	$1,880
14476	$1,010	$1,140	$1,420	$1,710	$1,880
14477	$1,010	$1,140	$1,420	$1,710	$1,880
14479	$1,010	$1,140	$1,420	$1,710	$1,880
14480	$1,010	$1,140	$1,420	$1,710	$1,880
14481	$1,010	$1,140	$1,420	$1,710	$1,880
14482	$1,010	$1,140	$1,420	$1,710	$1,880
14485	$1,010	$1,140	$1,420	$1,710	$1,880
14486	$1,010	$1,140	$1,420	$1,710	$1,880
14487	$1,010	$1,140	$1,420	$1,710	$1,880
14488	$1,010	$1,140	$1,420	$1,710	$1,880
14489	$1,010	$1,140	$1,420	$1,710	$1,880
14502	$1,010	$1,140	$1,420	$1,710	$1,880
14504	$1,050	$1,170	$1,480	$1,780	$1,950
14505	$1,010	$1,140	$1,420	$1,710	$1,880
14506	$1,200	$1,350	$1,710	$2,050	$2,250
14508	$1,030	$1,170	$1,450	$1,750	$1,920
14510	$1,010	$1,140	$1,420	$1,710	$1,880
14511	$1,010	$1,140	$1,420	$1,710	$1,880
14512	$1,010	$1,140	$1,420	$1,710	$1,880
14513	$1,010	$1,140	$1,420	$1,710	$1,880
14514	$1,350	$1,520	$1,910	$2,300	$2,510
14515	$1,010	$1,140	$1,420	$1,710	$1,880
14516	$1,140	$1,280	$1,610	$1,940	$2,120
14517	$1,010	$1,140	$1,420	$1,710	$1,880
14518	$1,010	$1,140	$1,420	$1,710	$1,880
14519	$1,010	$1,140	$1,420	$1,710	$1,880
14520	$1,010	$1,140	$1,420	$1,710	$1,880
14522	$1,010	$1,140	$1,420	$1,710	$1,880
14525	$1,010	$1,140	$1,420	$1,710	$1,880
14526	$1,050	$1,170	$1,470	$1,770	$1,950
14530	$1,010	$1,140	$1,420	$1,710	$1,880
14532	$1,010	$1,140	$1,420	$1,710	$1,880
14533	$1,010	$1,140	$1,420	$1,710	$1,880
14534	$1,510	$1,700	$2,130	$2,560	$2,810
14537	$1,010	$1,140	$1,420	$1,710	$1,880
14538	$1,010	$1,140	$1,420	$1,710	$1,880
14539	$1,010	$1,140	$1,420	$1,710	$1,880
14542	$1,020	$1,140	$1,440	$1,740	$1,900
14543	$1,090	$1,220	$1,540	$1,850	$2,020
14544	$1,180	$1,310	$1,680	$2,100	$2,520
14545	$1,010	$1,140	$1,420	$1,710	$1,880
14546	$1,140	$1,280	$1,610	$1,930	$2,130
14547	$1,010	$1,140	$1,420	$1,710	$1,880
14548	$1,010	$1,140	$1,420	$1,710	$1,880
14551	$1,010	$1,140	$1,420	$1,710	$1,880
14555	$1,010	$1,140	$1,420	$1,710	$1,880
14556	$1,010	$1,140	$1,420	$1,710	$1,880
14558	$1,010	$1,140	$1,420	$1,710	$1,880
14559	$1,080	$1,210	$1,520	$1,820	$2,000
14560	$1,010	$1,140	$1,420	$1,710	$1,880
14561	$1,010	$1,140	$1,420	$1,710	$1,880
14563	$1,010	$1,140	$1,420	$1,710	$1,880
14564	$1,230	$1,370	$1,720	$2,070	$2,280
14568	$1,010	$1,140	$1,420	$1,710	$1,880
14571	$1,310	$1,470	$1,840	$2,220	$2,430
14572	$1,010	$1,140	$1,420	$1,710	$1,880
14580	$1,260	$1,430	$1,790	$2,160	$2,360
14585	$1,010	$1,140	$1,420	$1,710	$1,880
14586	$1,410	$1,590	$1,980	$2,390	$2,620
14589	$1,010	$1,140	$1,420	$1,710	$1,880
14590	$1,010	$1,140	$1,420	$1,710	$1,880
14592	$1,010	$1,140	$1,420	$1,710	$1,880
14602	$1,030	$1,170	$1,450	$1,750	$1,920
14603	$1,030	$1,170	$1,450	$1,750	$1,920
14604	$1,200	$1,350	$1,690	$2,030	$2,240
14605	$1,010	$1,140	$1,420	$1,710	$1,880
14606	$1,010	$1,140	$1,420	$1,710	$1,880
14607	$1,140	$1,280	$1,610	$1,930	$2,130
14608	$1,010	$1,140	$1,420	$1,710	$1,880
14609	$1,010	$1,140	$1,420	$1,710	$1,880
14610	$1,070	$1,200	$1,510	$1,820	$1,980
14611	$1,010	$1,140	$1,420	$1,710	$1,880
14612	$1,010	$1,140	$1,420	$1,710	$1,880
14613	$1,010	$1,140	$1,420	$1,710	$1,880
14614	$1,510	$1,700	$2,130	$2,560	$2,810
14615	$1,010	$1,140	$1,420	$1,710	$1,880
14616	$1,010	$1,140	$1,420	$1,710	$1,880
14617	$1,050	$1,170	$1,480	$1,780	$1,950
14618	$1,200	$1,350	$1,700	$2,050	$2,250
14619	$1,110	$1,250	$1,570	$1,890	$2,060
14620	$1,110	$1,260	$1,570	$1,890	$2,070
14621	$1,010	$1,140	$1,420	$1,710	$1,880
14622	$1,010	$1,140	$1,420	$1,710	$1,880
14623	$1,110	$1,260	$1,570	$1,890	$2,070
14624	$1,140	$1,270	$1,600	$1,920	$2,110
14625	$1,290	$1,440	$1,820	$2,190	$2,390
14626	$1,050	$1,180	$1,490	$1,790	$1,960
14627	$1,030	$1,170	$1,450	$1,750	$1,920
14638	$1,030	$1,170	$1,450	$1,750	$1,920
14639	$1,030	$1,170	$1,450	$1,750	$1,920
14642	$1,030	$1,170	$1,450	$1,750	$1,920
14643	$1,030	$1,170	$1,450	$1,750	$1,920
14646	$1,030	$1,170	$1,450	$1,750	$1,920
14647	$1,030	$1,170	$1,450	$1,750	$1,920
14649	$1,030	$1,170	$1,450	$1,750	$1,920
14651	$1,030	$1,170	$1,450	$1,750	$1,920
14652	$1,030	$1,170	$1,450	$1,750	$1,920
14653	$1,030	$1,170	$1,450	$1,750	$1,920
14692	$1,030	$1,170	$1,450	$1,750	$1,920
14822	$1,150	$1,160	$1,520	$1,880	$2,400
14836	$1,010	$1,140	$1,420	$1,710	$1,880
14846	$1,010	$1,140	$1,420	$1,710	$1,880
14884	$1,010	$1,140	$1,420	$1,710	$1,880

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

HUD income limits for Ontario County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $107,000 (FY2025: $103,900, +3.0%). 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%)	$22,500 +3.0%	$25,700 +3.0%	$28,900 +3.0%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$37,450 +2.9%	$42,800 +2.9%	$48,150 +2.9%	$53,500 +3.0%	$57,800 +2.9%	$62,100 +3.0%	$66,350 +2.9%	$70,650 +3.0%
Low income (80%)	$59,950 +3.0%	$68,500 +3.0%	$77,050 +3.0%	$85,600 +3.0%	$92,450 +3.0%	$99,300 +3.0%	$106,150 +3.0%	$113,000 +3.0%

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.