New York · FIPS 36031 · HUD FY 2027
Essex County, New York Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Essex County is $1,171 a month (rent plus utilities), 51% below the New York average of $2,402 and 33% below the U.S. average of $1,761. That is down $14 (1.2%) from FY 2026. At 30% of income, a household needs about $46,840 a year to afford it.
- $1,1712-bedroom FMR−$14 (−1.2%) vs FY 2026
- $8951-bedroom FMRNew York: $2,120 · U.S.: $1,478
- $46,840Income for a 2-bedroom$23/hour full-time
- 45 of 622BR rank in New York1 = highest rent
| Unit | Essex County FY 2027 | FY 2026 | Change | New York avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $858 | $891 | −$33 (−3.7%) | $1,968 | $1,379 | $34,320 |
| 1 bedroom | $895 | $903 | −$8 (−0.9%) | $2,120 | $1,478 | $35,800 |
| 2 bedrooms | $1,171 | $1,185 | −$14 (−1.2%) | $2,402 | $1,761 | $46,840 |
| 3 bedrooms | $1,425 | $1,455 | −$30 (−2.1%) | $3,028 | $2,266 | $57,000 |
| 4 bedrooms | $1,631 | $1,645 | −$14 (−0.9%) | $3,310 | $2,607 | $65,240 |
How Essex County compares
- Essex 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: $858, $895, $1,171, $1,425, $1,631. 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 29 ZIP codes mostly in Essex County (by land area), the 2-bedroom figure ranges from $1,070 to $1,760.
Small Area FMRs by ZIP code in Essex County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 12851 | $830 | $850 | $1,110 | $1,360 | $1,510 | −$50 (−4.3%) | 5% below |
| 12852 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12855 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12857 | $940 | $960 | $1,220 | $1,570 | $1,610 | no change | 4% above |
| 12858 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$50 (−4.1%) | about the same as |
| 12870 | $940 | $980 | $1,280 | $1,570 | $1,780 | +$20 (+1.6%) | 9% above |
| 12872 | $940 | $980 | $1,280 | $1,560 | $1,780 | +$20 (+1.6%) | 9% above |
| 12883 | $940 | $960 | $1,220 | $1,570 | $1,610 | no change | 4% above |
| 12928 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12932 | $810 | $820 | $1,070 | $1,310 | $1,490 | +$80 (+8.1%) | 9% below |
| 12936 | $1,190 | $1,200 | $1,580 | $1,940 | $2,190 | −$170 (−9.7%) | 35% above |
| 12941 | $1,080 | $1,130 | $1,480 | $1,800 | $2,060 | −$10 (−0.7%) | 26% above |
| 12942 | $1,290 | $1,350 | $1,760 | $2,140 | $2,450 | −$20 (−1.1%) | 50% above |
| 12943 | $1,120 | $1,170 | $1,520 | $1,850 | $2,120 | −$10 (−0.7%) | 30% above |
| 12944 | $990 | $1,020 | $1,320 | $1,600 | $1,820 | −$60 (−4.3%) | 13% above |
| 12946 | $940 | $990 | $1,290 | $1,570 | $1,800 | no change | 10% above |
| 12950 | $1,050 | $1,100 | $1,440 | $1,750 | $2,010 | −$30 (−2.0%) | 23% above |
| 12956 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12960 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12961 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12964 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | about the same as |
| 12974 | $810 | $850 | $1,110 | $1,350 | $1,550 | +$10 (+0.9%) | 5% below |
| 12975 | $970 | $1,020 | $1,330 | $1,620 | $1,850 | −$20 (−1.5%) | 14% above |
| 12977 | $830 | $920 | $1,150 | $1,390 | $1,610 | −$20 (−1.7%) | 2% below |
| 12987 | $1,130 | $1,180 | $1,550 | $1,880 | $2,160 | no change | 32% above |
| 12993 | $850 | $890 | $1,160 | $1,410 | $1,620 | −$20 (−1.7%) | 1% below |
| 12996 | $810 | $820 | $1,070 | $1,310 | $1,490 | +$30 (+2.9%) | 9% below |
| 12997 | $1,080 | $1,130 | $1,480 | $1,800 | $2,060 | +$30 (+2.1%) | 26% above |
| 12998 | $860 | $890 | $1,170 | $1,420 | $1,630 | −$20 (−1.7%) | 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.