FY2027 Small Area FMR · Carmel, NY
ZIP 10512 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10512 (Carmel, NY) is $2,620 a month, up 4.4% from FY2026. That is 23% above the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 10512 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area
Of the 100 ZIP codes HUD lists for the area, 10512 has the 8th highest two-bedroom Small Area FMR. Kiryas Joel-Poughkeepsie-Newburgh, NY is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $2,131 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,620 for this ZIP code instead.
ZIP code 10512 crosses more than one HUD area. HUD also lists it under New York, NY (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,280 | $2,052 – $2,508 | $1,484 | $2,170 |
| 1 bedroom | $2,390 | $2,151 – $2,629 | $1,659 | $2,280 |
| 2 bedrooms | $2,620 | $2,358 – $2,882 | $2,131 | $2,510 |
| 3 bedrooms | $3,280 | $2,952 – $3,608 | $2,685 | $3,130 |
| 4 bedrooms | $3,570 | $3,213 – $3,927 | $2,824 | $3,400 |
A household renting a two-bedroom home at the Small Area FMR of $2,620 needs about $104,800 a year to keep housing costs at 30% of income. The area median family income is $125,900 and the 80% low-income limit for four people is $100,700. ZIP code 10512 lies mainly in Putnam County and Dutchess County. See the Kiryas Joel-Poughkeepsie-Newburgh, NY metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 10512?
HUD's FY2027 Small Area Fair Market Rents for 10512 are $2,280 (studio), $2,390 (1 BR), $2,620 (2 BR), $3,280 (3 BR) and $3,570 (4 BR) a month.
What is the Section 8 payment standard in 10512?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10512 that range is $2,358 to $2,882 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 10512?
The FY2026 income limits of the Kiryas Joel-Poughkeepsie-Newburgh, NY area apply: median family income $125,900, low-income (80%) limit $100,700 for a family of four.