HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Schoharie County, New York (FY 2027)
$1,711 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Schoharie County, and it's the baseline every voucher in Schoharie is measured against.
Two-bedroom FMR
$1,711
+0.5% from FY 2026
Payment standard
$1,540–$1,882
90% to 110% of the FMR, two-bedroom
Income to afford
$68,440
a year, with rent at 30% of income
Rank in New York
18th of 62
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $1,238 | $1,114–$1,362 | $49,520 | $23.81/hr | +1.7% |
| 1 bedroom | $1,425 | $1,283–$1,568 | $57,000 | $27.40/hr | +0.6% |
| 2 bedroom | $1,711 | $1,540–$1,882 | $68,440 | $32.90/hr | +0.5% |
| 3 bedroom | $2,039 | $1,835–$2,243 | $81,560 | $39.21/hr | -0.1% |
| 4 bedroom | $2,249 | $2,024–$2,474 | $89,960 | $43.25/hr | -0.2% |
Five to eight 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 | $2,586 | $2,327–$2,845 |
| 6 bedroom Estimate | $2,924 | $2,632–$3,216 |
| 7 bedroom Estimate | $3,261 | $2,935–$3,587 |
| 8 bedroom Estimate | $3,598 | $3,238–$3,958 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Schoharie actually rent for?
Search any address in Schoharie for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Schoharie somewhere between $1,540 and $1,882. 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.
$1,711 a month is affordable, by HUD's 30% rule, on an income of roughly $68,440 a year. Put another way, $33 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,540 | Voucher pays at 100%$1,711 | Voucher pays at 110%$1,882 |
|---|---|---|---|---|
| $2,500 | $750 | $790 | $961 | $1,132 |
| $4,000 | $1,200 | $340 | $511 | $682 |
Rate history
The two-bedroom rate went up 1% from FY 2026 ($1,702) to FY 2027 ($1,711). Since FY 2020 it's up 62% in total, about 7.2% a year. The New York median moved up 2% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $747 | $855 | $1,054 | $1,313 | $1,428 | — |
| FY 2021 | $809 | $912 | $1,117 | $1,389 | $1,515 | +6.0% |
| FY 2022 | $890 | $991 | $1,207 | $1,492 | $1,637 | +8.1% |
| FY 2023 | $968 | $1,079 | $1,313 | $1,598 | $1,764 | +8.8% |
| FY 2024 | $1,011 | $1,131 | $1,374 | $1,661 | $1,830 | +4.6% |
| FY 2025 | $1,074 | $1,230 | $1,487 | $1,792 | $1,971 | +8.2% |
| FY 2026 | $1,217 | $1,417 | $1,702 | $2,041 | $2,253 | +14.5% |
| FY 2027In effect | $1,238 | $1,425 | $1,711 | $2,039 | $2,249 | +0.5% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Schoharie, that runs from $1,238 for a studio up to $2,249 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 Schoharie in with 4 other counties in the Albany-Schenectady-Troy metro, Albany County, Saratoga County, Schenectady County among them, and every one of them gets $1,711 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, Schoharie ranks 18th for two-bedroom FMR. That's about 24% above the state median of $1,385 and about 61% above the national median county at $1,063. About 30,049 people live here, 58th in the state.
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 18 ZIP codes it covers in Schoharie, the two-bedroom rate is $1,540 across the board, so there's no ZIP-level story here.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 12031 | Carlisle | $1,540 | -10.0% |
| 12035 | Central Bridge | $1,540 | -10.0% |
| 12036 | Charlotteville | $1,540 | -10.0% |
| 12043 | Cobleskill | $1,540 | -10.0% |
| 12071 | Fultonham | $1,540 | -10.0% |
| 12073 | Gallupville | $1,540 | -10.0% |
| 12076 | Gilboa | $1,540 | -10.0% |
| 12092 | Howes Cave | $1,540 | -10.0% |
| 12093 | Jefferson | $1,540 | -10.0% |
| 12122 | Middleburgh | $1,540 | -10.0% |
| 12131 | North Blenheim | $1,540 | -10.0% |
| 12149 | Richmondville | $1,540 | -10.0% |
| 12157 | Schoharie | $1,540 | -10.0% |
| 12160 | Sloansville | $1,540 | -10.0% |
| 12175 | Summit | $1,540 | -10.0% |
| 12187 | Warnerville | $1,540 | -10.0% |
| 12194 | West Fulton | $1,540 | -10.0% |
| 13459 | Sharon Springs | $1,540 | -10.0% |
Counties sharing the Albany-Schenectady-Troy metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,711 two-bedroom figure as Schoharie.
Nearby counties
Two-bedroom FMR, with how each compares to Schoharie.
Montgomery County
21 mi · 49,528 people
$1,111
-35%
Schenectady County
26 mi · 160,369 people
$1,711
same rate
Greene County
29 mi · 47,409 people
$1,354
-21%
Otsego County
30 mi · 60,108 people
$1,235
-28%
Albany County
32 mi · 317,018 people
$1,711
same rate
Delaware County
34 mi · 44,487 people
$1,017
-41%
Fulton County
35 mi · 52,487 people
$1,051
-39%
Saratoga County
44 mi · 238,284 people
$1,711
same rate
Questions people ask
$1,711 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,238 for a studio, $1,425 for one bedroom, $2,039 for three and $2,249 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Schoharie actually go for?
HUD's number is one input. Search any address in Schoharie for a rent estimate built from nearby comps. Free to start, no card.
Free tier. No credit card.