New York · FIPS 36079 · HUD FY 2027
Putnam County, New York Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Putnam County is $2,971 a month (rent plus utilities), 24% above the New York average of $2,402 and 69% above the U.S. average of $1,761. That is up $61 (2.1%) from FY 2026. At 30% of income, a household needs about $118,840 a year to afford it.
- $2,9712-bedroom FMR+$61 (+2.1%) vs FY 2026
- $2,7291-bedroom FMRNew York: $2,120 · U.S.: $1,478
- $118,840Income for a 2-bedroom$57/hour full-time
- 1 of 622BR rank in New York1 = highest rent
| Unit | Putnam County FY 2027 | FY 2026 | Change | New York avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $2,593 | $2,529 | +$64 (+2.5%) | $1,968 | $1,379 | $103,720 |
| 1 bedroom | $2,729 | $2,655 | +$74 (+2.8%) | $2,120 | $1,478 | $109,160 |
| 2 bedrooms | $2,971 | $2,910 | +$61 (+2.1%) | $2,402 | $1,761 | $118,840 |
| 3 bedrooms | $3,760 | $3,644 | +$116 (+3.2%) | $3,028 | $2,266 | $150,400 |
| 4 bedrooms | $4,121 | $3,959 | +$162 (+4.1%) | $3,310 | $2,607 | $164,840 |
How Putnam County compares
- HUD sets this rent for the New York, NY metro FMR area, which covers 9,923,511 residents in 8 counties.
- Across New York, 2-bedroom FMRs run from $1,014 (Wyoming County) to $2,971 (Bronx County).
- Studio to 4-bedroom: $2,593, $2,729, $2,971, $3,760, $4,121. 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 9 ZIP codes mostly in Putnam County (by land area), the 2-bedroom figure ranges from $2,620 to $3,960.
Small Area FMRs by ZIP code in Putnam County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 10509 | $2,480 | $2,610 | $2,840 | $3,590 | $3,940 | +$20 (+0.7%) | 4% below |
| 10512 | $2,280 | $2,390 | $2,620 | $3,280 | $3,570 | +$110 (+4.4%) | 12% below |
| 10516 | $2,440 | $2,570 | $2,800 | $3,540 | $3,880 | +$50 (+1.8%) | 6% below |
| 10524 | $3,460 | $3,640 | $3,960 | $5,010 | $5,490 | +$270 (+7.3%) | 33% above |
| 10537 | $3,140 | $3,310 | $3,600 | $4,560 | $4,990 | +$90 (+2.6%) | 21% above |
| 10541 | $2,640 | $2,780 | $3,030 | $3,830 | $4,200 | +$90 (+3.1%) | 2% above |
| 10542 | $2,480 | $2,610 | $2,840 | $3,590 | $3,940 | +$50 (+1.8%) | 4% below |
| 10579 | $3,370 | $3,550 | $3,860 | $4,880 | $5,350 | +$220 (+6.0%) | 30% above |
| 12563 | $2,320 | $2,440 | $2,660 | $3,370 | $3,690 | +$40 (+1.5%) | 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.