Income Limits by County

HUD Metro FMR Area · 5 counties

Albany-Schenectady-Troy, NY Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Albany-Schenectady-Troy, NY area at $1,711 a month, up 0.5% from FY2026. The FY2026 median family income is $123,100. The same figures apply in all 5 counties of the area.

2-bedroom FMR$1,711per month ▲ 0.5%
Median family income$123,100FY2026
People in the area906,052HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Albany-Schenectady-Troy, NY.

Low income (80% limit)

A household of 4 earning $96,500 is under the 80% limit of $98,500 for this area. At 30% of income it could pay about $2,412 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$25,900$43,100$51,720$68,950
2$29,600$49,250$59,100$78,800
3$33,300$55,400$66,480$88,650
4$36,950$61,550$73,860$98,500
5$39,950$66,500$79,800$106,400
6$44,360$71,400$85,680$114,300
7$50,040$76,350$91,620$122,150
8$55,720$81,250$97,500$130,050

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600$2,000200520102015202020252027$1,711FY2001: $607FY2002: $621FY2003: $633FY2004: $634FY2005: $679FY2006: $715FY2007: $752FY2008: $851FY2009: $868FY2010: $874FY2011: $900FY2012: $870FY2013: $921FY2014: $929FY2015: $968FY2016: $1,005FY2017: $1,006FY2018: $1,032FY2019: $1,115FY2020: $1,054FY2021: $1,117FY2022: $1,207FY2023: $1,313FY2024: $1,374FY2025: $1,487FY2026: $1,702FY2027: $1,711

Counties in the area

CountyPeople2 BR FMR
Albany County, NY317,018$1,711
Saratoga County, NY238,284$1,711
Schenectady County, NY160,369$1,711
Rensselaer County, NY160,332$1,711
Schoharie County, NY30,049$1,711

Small Area FMRs across 153 ZIP codes

Two-bedroom Small Area FMRs in the Albany-Schenectady-Troy, NY area run from $1,540 to $2,570; the middle ZIP code is at $1,590, against the area-wide FMR of $1,711. This is not a mandatory Small Area FMR area; agencies may opt in.

$1,540$2,570median $1,590

Highest ZIP codes

12222 (Albany, NY)$2,570
12866 (Saratoga Springs, NY)$2,330
12061 (East Greenbush, NY)$2,320
12211 (Albany, NY)$2,320
12054 (Delmar, NY)$2,270
12158 (Selkirk, NY)$2,240
12161 (South Bethlehem, NY)$2,240
12151 (Round Lake, NY)$2,230

Lowest ZIP codes

13459 (Sharon Springs, NY)$1,540
13320 (Cherry Valley, NY)$1,540
12884 (Victory Mills, NY)$1,540
12871 (Schuylerville, NY)$1,540
12863 (Rock City Falls, NY)$1,540
12850 (Middle Grove, NY)$1,540
12835 (Hadley, NY)$1,540
12828 (Fort Edward, NY)$1,540

Questions

What is the Fair Market Rent in the Albany-Schenectady-Troy, NY area?

HUD's FY2027 Fair Market Rents for the Albany-Schenectady-Troy, NY area are $1,238 (studio), $1,425 (1 BR), $1,711 (2 BR), $2,039 (3 BR) and $2,249 (4 BR) a month.

What is the area median income for Albany-Schenectady-Troy, NY?

The FY2026 median family income is $123,100; the 80% low-income limit for four people is $98,500.

Which counties are in this HUD metro area?

Albany County, NY, Saratoga County, NY, Schenectady County, NY, Rensselaer County, NY and Schoharie County, NY.