HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cattaraugus County, New York (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Cattaraugus County is $1,007 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,007
FY 2026, utilities included
Payment standard range
$906 to $1,108
90% to 110% of FMR
Income to afford 2BR
$40,280
per year, at 30% of income
Rank in New York
58th of 62
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cattaraugus moves to $1,014. That's up 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Cattaraugus actually rent for?
Search any address in Cattaraugus for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $778 | $700 to $856 | $31,120 | $14.96/hr | +6.1% |
| 1 bedroom | $783 | $705 to $861 | $31,320 | $15.06/hr | +6.2% |
| 2 bedroom | $1,007 | $906 to $1,108 | $40,280 | $19.37/hr | +5.7% |
| 3 bedroom | $1,232 | $1,109 to $1,355 | $49,280 | $23.69/hr | +5.4% |
| 4 bedroom | $1,420 | $1,278 to $1,562 | $56,800 | $27.31/hr | +5.7% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,633 | $1,470 to $1,796 |
| 6 bedroom Estimate | $1,846 | $1,661 to $2,031 |
| 7 bedroom Estimate | $2,059 | $1,853 to $2,265 |
| 8 bedroom Estimate | $2,272 | $2,045 to $2,499 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Cattaraugus, that runs from $778 for a studio up to $1,420 for four bedrooms, all five rates in the table above.
Because Cattaraugus sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Dayton included.
Among New York's 62 counties, Cattaraugus ranks 58th for two-bedroom FMR. That's about 26% below the state median of $1,361 and within a couple percent of the national median county at $1,018. About 77,000 people live here, 35th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 14171 (West Valley) and $1,290 in 14726 (Conewango Valley), with the 32 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 14041 | Dayton | $990 | -1.7% |
| 14042 | Delevan | $1,040 | +3.3% |
| 14060 | Farmersville Station | $1,020 | +1.3% |
| 14065 | Freedom | $1,010 | +0.3% |
| 14070 | Gowanda | $980 | -2.7% |
| 14101 | Machias | $1,170 | +16.2% |
| 14129 | Perrysburg | $1,060 | +5.3% |
| 14133 | Sandusky | $1,007County rate | — |
| 14138 | South Dayton | $1,020 | +1.3% |
| 14168 | Versailles | $1,030 | +2.3% |
| 14171 | West Valley | $970 | -3.7% |
| 14173 | Yorkshire | $1,050 | +4.3% |
| 14706 | Allegany | $1,040 | +3.3% |
| 14719 | Cattaraugus | $970 | -3.7% |
| 14726 | Conewango Valley | $1,290 | +28.1% |
| 14729 | East Otto | $970 | -3.7% |
| 14730 | East Randolph | $1,010 | +0.3% |
| 14731 | Ellicottville | $1,000 | -0.7% |
| 14737 | Franklinville | $1,000 | -0.7% |
| 14741 | Great Valley | $1,000 | -0.7% |
| 14743 | Hinsdale | $1,090 | +8.2% |
| 14748 | Kill Buck | $970 | -3.7% |
| 14751 | Leon | $1,010 | +0.3% |
| 14753 | Limestone | $970 | -3.7% |
| 14755 | Little Valley | $970 | -3.7% |
| 14760 | Olean | $1,040 | +3.3% |
| 14766 | Otto | $1,010 | +0.3% |
| 14770 | Portville | $970 | -3.7% |
| 14772 | Randolph | $970 | -3.7% |
| 14778 | Saint Bonaventure | $1,040 | +3.3% |
| 14779 | Salamanca | $980 | -2.7% |
| 14783 | Steamburg | $1,000 | -0.7% |
| 14788 | Westons Mills | $1,040 | +3.3% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Cattaraugus somewhere between $906 and $1,108. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,007 a month is affordable, by HUD's 30% rule, on an income of roughly $40,280 a year. Put another way, $19 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($906) | HAP at 100% ($1,007) | HAP at 110% ($1,108) |
|---|---|---|---|---|
| $2,500 | $750 | $156 | $257 | $358 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($953) to FY 2026 ($1,007). Since FY 2020 it's up 41% in total, about 5.8% a year. The New York median moved up 5% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $585 | $585 | $716 | $993 | $1,101 | — |
| FY 2021 | $604 | $607 | $734 | $1,015 | $1,104 | +2.5% |
| FY 2022 | $614 | $618 | $757 | $1,021 | $1,102 | +3.1% |
| FY 2023 | $653 | $658 | $826 | $1,068 | $1,180 | +9.1% |
| FY 2024 | $705 | $709 | $905 | $1,138 | $1,291 | +9.6% |
| FY 2025 | $733 | $737 | $953 | $1,169 | $1,343 | +5.3% |
| FY 2026 | $778 | $783 | $1,007 | $1,232 | $1,420 | +5.7% |
| FY 2027 | $742 | $794 | $1,014 | $1,274 | $1,438 | +0.7% |
Nearby counties
Allegany County
$97432 mi · pop 47,222
Chautauqua County
$97534 mi · pop 127,440
Wyoming County
$97336 mi · pop 40,338
Erie County
$1,34337 mi · pop 951,232
Genesee County
$1,16855 mi · pop 58,204
Livingston County
$1,57356 mi · pop 61,980
Niagara County
$1,34363 mi · pop 212,230
Steuben County
$1,08167 mi · pop 93,584
Questions people ask
$1,007 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $778 for a studio, $783 for one bedroom, $1,232 for three and $1,420 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Cattaraugus actually go for?
HUD's number is one input. Search any address in Cattaraugus for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.