HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Chenango County, New York (FY 2026)
$973 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Chenango County, and it's the baseline every voucher in Chenango is measured against.
2 bedroom FMR
$973
FY 2026, utilities included
Payment standard range
$876 to $1,070
90% to 110% of FMR
Income to afford 2BR
$38,920
per year, at 30% of income
Rank in New York
61st of 62
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Chenango moves to $1,014. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Chenango actually rent for?
Search any address in Chenango 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 | $848 | $763 to $933 | $33,920 | $16.31/hr | +12.5% |
| 1 bedroom | $855 | $770 to $941 | $34,200 | $16.44/hr | +4.3% |
| 2 bedroom | $973 | $876 to $1,070 | $38,920 | $18.71/hr | +3.7% |
| 3 bedroom | $1,353 | $1,218 to $1,488 | $54,120 | $26.02/hr | +4.7% |
| 4 bedroom | $1,482 | $1,334 to $1,630 | $59,280 | $28.50/hr | +4.5% |
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 | $1,704 | $1,534 to $1,874 |
| 6 bedroom Estimate | $1,927 | $1,734 to $2,120 |
| 7 bedroom Estimate | $2,149 | $1,934 to $2,364 |
| 8 bedroom Estimate | $2,371 | $2,134 to $2,608 |
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 Chenango, that runs from $848 for a studio up to $1,482 for four bedrooms, all five rates in the table above.
Because Chenango 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, North Pitcher included.
Among New York's 62 counties, Chenango ranks 61st for two-bedroom FMR. That's about 29% below the state median of $1,361 and about 4% below the national median county at $1,018. About 47,096 people live here, 51st 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 13155 (South Otselic) and $1,410 in 13332 (Earlville), with the 21 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 |
|---|---|---|---|
| 13124 | North Pitcher | $1,010 | +3.8% |
| 13136 | Pitcher | $1,010 | +3.8% |
| 13155 | South Otselic | $970 | -0.3% |
| 13332 | Earlville | $1,410 | +44.9% |
| 13411 | New Berlin | $1,070 | +10.0% |
| 13460 | Sherburne | $1,190 | +22.3% |
| 13464 | Smyrna | $1,280 | +31.6% |
| 13730 | Afton | $1,070 | +10.0% |
| 13733 | Bainbridge | $1,070 | +10.0% |
| 13758 | East Pharsalia | $970 | -0.3% |
| 13778 | Greene | $1,070 | +10.0% |
| 13780 | Guilford | $1,060 | +8.9% |
| 13801 | Mc Donough | $990 | +1.7% |
| 13809 | Mount Upton | $1,200 | +23.3% |
| 13814 | North Norwich | $1,000 | +2.8% |
| 13815 | Norwich | $1,010 | +3.8% |
| 13830 | Oxford | $970 | -0.3% |
| 13832 | Plymouth | $1,150 | +18.2% |
| 13841 | Smithville Flats | $1,210 | +24.4% |
| 13843 | South New Berlin | $1,070 | +10.0% |
| 13844 | South Plymouth | $1,000 | +2.8% |
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 Chenango somewhere between $876 and $1,070. 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.
$973 a month is affordable, by HUD's 30% rule, on an income of roughly $38,920 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% ($876) | HAP at 100% ($973) | HAP at 110% ($1,070) |
|---|---|---|---|---|
| $2,500 | $750 | $126 | $223 | $320 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($938) to FY 2026 ($973). Since FY 2020 it's up 25% in total, about 3.8% 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 | $546 | $629 | $780 | $978 | $1,057 | — |
| FY 2021 | $543 | $646 | $791 | $1,007 | $1,073 | +1.4% |
| FY 2022 | $525 | $638 | $767 | $979 | $1,044 | -3.0% |
| FY 2023 | $577 | $696 | $829 | $1,077 | $1,192 | +8.1% |
| FY 2024 | $672 | $777 | $905 | $1,214 | $1,354 | +9.2% |
| FY 2025 | $754 | $820 | $938 | $1,292 | $1,418 | +3.6% |
| FY 2026 | $848 | $855 | $973 | $1,353 | $1,482 | +3.7% |
| FY 2027 | $850 | $855 | $1,014 | $1,404 | $1,512 | +4.2% |
Nearby counties
Cortland County
$1,19825 mi · pop 46,755
Madison County
$1,39226 mi · pop 68,020
Otsego County
$1,22829 mi · pop 59,678
Broome County
$1,10330 mi · pop 198,365
Delaware County
$1,03340 mi · pop 44,637
Tompkins County
$1,75343 mi · pop 102,555
Oneida County
$1,17245 mi · pop 231,055
Onondaga County
$1,39245 mi · pop 472,637
Questions people ask
$973 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $848 for a studio, $855 for one bedroom, $1,353 for three and $1,482 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 Chenango actually go for?
HUD's number is one input. Search any address in Chenango for a rent estimate built from nearby comps. 3 free searches, no card.
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