HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Oneida County, New York (FY 2026)
$1,172 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Oneida County, and it's the baseline every voucher in Oneida is measured against.
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
43rd of 62
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Oneida 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 Oneida actually rent for?
Search any address in Oneida 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 Oneida, 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 Oneida in with one other county in the Utica-Rome metro, Herkimer 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, Oneida ranks 43rd 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 231,055 people live here, 17th 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 13309 (Boonville) and $1,580 in 13363 (Lee Center), with the 55 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 |
|---|---|---|---|
| 13054 | Durhamville | $1,140 | -2.7% |
| 13123 | North Bay | $1,420 | +21.2% |
| 13157 | Sylvan Beach | $1,250 | +6.7% |
| 13162 | Verona Beach | $1,180 | +0.7% |
| 13301 | Alder Creek | $1,290 | +10.1% |
| 13303 | Ava | $1,090 | -7.0% |
| 13304 | Barneveld | $1,070 | -8.7% |
| 13308 | Blossvale | $1,370 | +16.9% |
| 13309 | Boonville | $1,050 | -10.4% |
| 13313 | Bridgewater | $1,050 | -10.4% |
| 13316 | Camden | $1,190 | +1.5% |
| 13318 | Cassville | $1,100 | -6.1% |
| 13319 | Chadwicks | $1,050 | -10.4% |
| 13321 | Clark Mills | $1,330 | +13.5% |
| 13322 | Clayville | $1,340 | +14.3% |
| 13323 | Clinton | $1,410 | +20.3% |
| 13328 | Deansboro | $1,200 | +2.4% |
| 13338 | Forestport | $1,450 | +23.7% |
| 13341 | Franklin Springs | $1,190 | +1.5% |
| 13352 | Hinckley | $1,080 | -7.8% |
| 13354 | Holland Patent | $1,050 | -10.4% |
| 13362 | Knoxboro | $1,190 | +1.5% |
| 13363 | Lee Center | $1,580 | +34.8% |
| 13401 | Mc Connellsville | $1,190 | +1.5% |
| 13403 | Marcy | $1,450 | +23.7% |
| 13413 | New Hartford | $1,440 | +22.9% |
| 13417 | New York Mills | $1,090 | -7.0% |
| 13424 | Oriskany | $1,090 | -7.0% |
| 13425 | Oriskany Falls | $1,190 | +1.5% |
| 13435 | Prospect | $1,080 | -7.8% |
| 13438 | Remsen | $1,080 | -7.8% |
| 13440 | Rome | $1,190 | +1.5% |
| 13441 | Rome | $1,160 | -1.0% |
| 13442 | Rome | $1,190 | +1.5% |
| 13449 | Rome | $1,172County rate | — |
| 13455 | Sangerfield | $1,110 | -5.3% |
| 13456 | Sauquoit | $1,050 | -10.4% |
| 13461 | Sherrill | $1,390 | +18.6% |
| 13469 | Stittville | $1,210 | +3.2% |
| 13471 | Taberg | $1,360 | +16.0% |
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 Oneida 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
Madison County
$1,39221 mi · pop 68,020
Herkimer County
$1,17222 mi · pop 60,293
Onondaga County
$1,39240 mi · pop 472,637
Otsego County
$1,22841 mi · pop 59,678
Lewis County
$1,00842 mi · pop 26,690
Oswego County
$1,39242 mi · pop 118,037
Chenango County
$97345 mi · pop 47,096
Fulton County
$1,08752 mi · pop 53,280
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 Oneida actually go for?
HUD's number is one input. Search any address in Oneida for a rent estimate built from nearby comps. 3 free searches, no card.
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