HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Herkimer County, New York (FY 2026)
A two-bedroom in Herkimer County carries a FY 2026 Fair Market Rent of $1,172 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Herkimer keys off that figure.
2 bedroom FMR
$1,172
FY 2026, utilities included
Payment standard range
$1,055 to $1,289
90% to 110% of FMR
Income to afford 2BR
$46,880
per year, at 30% of income
Rank in New York
42nd of 62
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Herkimer moves to $1,210. That's up 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Herkimer actually rent for?
Search any address in Herkimer 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 | $899 | $809 to $989 | $35,960 | $17.29/hr | -2.5% |
| 1 bedroom | $926 | $833 to $1,019 | $37,040 | $17.81/hr | -0.2% |
| 2 bedroom | $1,172 | $1,055 to $1,289 | $46,880 | $22.54/hr | +1.1% |
| 3 bedroom | $1,405 | $1,265 to $1,546 | $56,200 | $27.02/hr | +0.6% |
| 4 bedroom | $1,623 | $1,461 to $1,785 | $64,920 | $31.21/hr | -1.7% |
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 | $1,866 | $1,679 to $2,053 |
| 6 bedroom Estimate | $2,110 | $1,899 to $2,321 |
| 7 bedroom Estimate | $2,353 | $2,118 to $2,588 |
| 8 bedroom Estimate | $2,597 | $2,337 to $2,857 |
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 Herkimer, that runs from $899 for a studio up to $1,623 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Herkimer in with one other county in the Utica-Rome metro, Oneida County among them, and every one of them gets $1,172 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among New York's 62 counties, Herkimer ranks 42nd for two-bedroom FMR. That's about 14% below the state median of $1,361 and about 15% above the national median county at $1,018. About 60,293 people live here, 42nd in the state.
Counties sharing the Utica-Rome metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,050 in 13324 (Cold Brook) and $1,200 in 13331 (Eagle Bay), with the 17 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 |
|---|---|---|---|
| 13324 | Cold Brook | $1,050 | -10.4% |
| 13329 | Dolgeville | $1,050 | -10.4% |
| 13331 | Eagle Bay | $1,200 | +2.4% |
| 13340 | Frankfort | $1,100 | -6.1% |
| 13350 | Herkimer | $1,140 | -2.7% |
| 13357 | Ilion | $1,090 | -7.0% |
| 13361 | Jordanville | $1,070 | -8.7% |
| 13365 | Little Falls | $1,050 | -10.4% |
| 13406 | Middleville | $1,050 | -10.4% |
| 13407 | Mohawk | $1,050 | -10.4% |
| 13416 | Newport | $1,050 | -10.4% |
| 13420 | Old Forge | $1,070 | -8.7% |
| 13431 | Poland | $1,080 | -7.8% |
| 13454 | Salisbury Center | $1,050 | -10.4% |
| 13472 | Thendara | $1,070 | -8.7% |
| 13475 | Van Hornesville | $1,070 | -8.7% |
| 13491 | West Winfield | $1,190 | +1.5% |
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 Herkimer somewhere between $1,055 and $1,289. 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.
$1,172 a month is affordable, by HUD's 30% rule, on an income of roughly $46,880 a year. Put another way, $23 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% ($1,055) | HAP at 100% ($1,172) | HAP at 110% ($1,289) |
|---|---|---|---|---|
| $2,500 | $750 | $305 | $422 | $539 |
| $4,000 | $1,200 | $0 | $0 | $89 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($1,159) to FY 2026 ($1,172). Since FY 2020 it's up 48% in total, about 6.8% 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 | $563 | $613 | $790 | $984 | $1,096 | — |
| FY 2021 | $587 | $625 | $796 | $990 | $1,140 | +0.8% |
| FY 2022 | $676 | $680 | $863 | $1,067 | $1,238 | +8.4% |
| FY 2023 | $755 | $759 | $955 | $1,162 | $1,376 | +10.7% |
| FY 2024 | $785 | $790 | $992 | $1,199 | $1,410 | +3.9% |
| FY 2025 | $922 | $928 | $1,159 | $1,396 | $1,651 | +16.8% |
| FY 2026 | $899 | $926 | $1,172 | $1,405 | $1,623 | +1.1% |
| FY 2027 | $857 | $946 | $1,210 | $1,442 | $1,636 | +3.2% |
Nearby counties
Oneida County
$1,17222 mi · pop 231,055
Fulton County
$1,08730 mi · pop 53,280
Montgomery County
$1,10233 mi · pop 49,624
Madison County
$1,39239 mi · pop 68,020
Otsego County
$1,22839 mi · pop 59,678
Hamilton County
$1,42940 mi · pop 5,090
Schoharie County
$1,70246 mi · pop 29,970
Lewis County
$1,00847 mi · pop 26,690
Questions people ask
$1,172 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $899 for a studio, $926 for one bedroom, $1,405 for three and $1,623 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 Herkimer actually go for?
HUD's number is one input. Search any address in Herkimer for a rent estimate built from nearby comps. 3 free searches, no card.
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