New York · FIPS 36077 · HUD FY 2027
Otsego County, New York Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Otsego County is $1,235 a month (rent plus utilities), 49% below the New York average of $2,402 and 30% below the U.S. average of $1,761. That is up $7 (0.6%) from FY 2026. At 30% of income, a household needs about $49,400 a year to afford it.
- $1,2352-bedroom FMR+$7 (+0.6%) vs FY 2026
- $9611-bedroom FMRNew York: $2,120 · U.S.: $1,478
- $49,400Income for a 2-bedroom$24/hour full-time
- 38 of 622BR rank in New York1 = highest rent
| Unit | Otsego County FY 2027 | FY 2026 | Change | New York avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $860 | $847 | +$13 (+1.5%) | $1,968 | $1,379 | $34,400 |
| 1 bedroom | $961 | $965 | −$4 (−0.4%) | $2,120 | $1,478 | $38,440 |
| 2 bedrooms | $1,235 | $1,228 | +$7 (+0.6%) | $2,402 | $1,761 | $49,400 |
| 3 bedrooms | $1,472 | $1,472 | no change | $3,028 | $2,266 | $58,880 |
| 4 bedrooms | $1,653 | $1,626 | +$27 (+1.7%) | $3,310 | $2,607 | $66,120 |
How Otsego County compares
- Otsego 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: $860, $961, $1,235, $1,472, $1,653. 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 35 ZIP codes mostly in Otsego County (by land area), the 2-bedroom figure ranges from $1,110 to $1,550.
Small Area FMRs by ZIP code in Otsego County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 12064 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$170 (+12.4%) | 25% above |
| 12116 | $1,080 | $1,210 | $1,550 | $1,850 | $2,080 | +$250 (+19.2%) | 26% above |
| 12155 | $850 | $960 | $1,220 | $1,470 | $1,640 | −$110 (−8.3%) | 1% below |
| 12197 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 25% above |
| 13315 | $890 | $1,000 | $1,280 | $1,530 | $1,710 | +$90 (+7.6%) | 4% above |
| 13320 | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 | +$200 (+14.9%) | 25% above |
| 13326 | $980 | $1,100 | $1,410 | $1,680 | $1,890 | −$30 (−2.1%) | 14% above |
| 13333 | $920 | $1,040 | $1,330 | $1,580 | $1,780 | +$10 (+0.8%) | 8% above |
| 13335 | $840 | $940 | $1,210 | $1,440 | $1,620 | +$140 (+13.1%) | 2% below |
| 13337 | $980 | $1,110 | $1,410 | $1,690 | $1,870 | −$150 (−9.6%) | 14% above |
| 13342 | $810 | $900 | $1,140 | $1,380 | $1,550 | +$70 (+6.5%) | 8% below |
| 13348 | $840 | $930 | $1,200 | $1,430 | $1,610 | +$60 (+5.3%) | 3% below |
| 13411 | $800 | $870 | $1,110 | $1,340 | $1,470 | +$40 (+3.7%) | 10% below |
| 13415 | $770 | $870 | $1,110 | $1,330 | $1,470 | +$40 (+3.7%) | 10% below |
| 13439 | $810 | $870 | $1,110 | $1,330 | $1,470 | +$40 (+3.7%) | 10% below |
| 13450 | $880 | $990 | $1,270 | $1,510 | $1,700 | no change | 3% above |
| 13457 | $810 | $900 | $1,160 | $1,380 | $1,550 | +$50 (+4.5%) | 6% below |
| 13468 | $860 | $970 | $1,240 | $1,470 | $1,660 | −$10 (−0.8%) | about the same as |
| 13482 | $880 | $990 | $1,270 | $1,510 | $1,690 | +$120 (+10.4%) | 3% above |
| 13488 | $800 | $890 | $1,150 | $1,370 | $1,540 | −$70 (−5.7%) | 7% below |
| 13491 | $900 | $1,020 | $1,260 | $1,530 | $1,670 | +$70 (+5.9%) | 2% above |
| 13747 | $860 | $960 | $1,240 | $1,480 | $1,660 | +$10 (+0.8%) | about the same as |
| 13776 | $990 | $1,100 | $1,420 | $1,690 | $1,900 | +$30 (+2.2%) | 15% above |
| 13796 | $920 | $1,030 | $1,320 | $1,570 | $1,770 | +$100 (+8.2%) | 7% above |
| 13807 | $770 | $870 | $1,110 | $1,330 | $1,470 | +$40 (+3.7%) | 10% below |
| 13808 | $770 | $870 | $1,110 | $1,330 | $1,470 | +$40 (+3.7%) | 10% below |
| 13809 | $980 | $1,010 | $1,230 | $1,630 | $1,770 | +$30 (+2.5%) | about the same as |
| 13810 | $770 | $870 | $1,110 | $1,330 | $1,470 | +$40 (+3.7%) | 10% below |
| 13820 | $890 | $990 | $1,270 | $1,530 | $1,710 | +$10 (+0.8%) | 3% above |
| 13825 | $770 | $870 | $1,110 | $1,330 | $1,490 | no change | 10% below |
| 13834 | $820 | $920 | $1,180 | $1,410 | $1,580 | +$30 (+2.6%) | 4% below |
| 13843 | $810 | $870 | $1,110 | $1,370 | $1,510 | +$40 (+3.7%) | 10% below |
| 13849 | $790 | $900 | $1,140 | $1,400 | $1,540 | +$10 (+0.9%) | 8% below |
| 13859 | $780 | $890 | $1,130 | $1,380 | $1,530 | +$10 (+0.9%) | 9% below |
| 13861 | $860 | $960 | $1,230 | $1,470 | $1,650 | +$40 (+3.4%) | 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.