FY2027 Small Area FMR · Cross River, NY

ZIP 10518 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10518 (Cross River, NY) is $3,980 a month, unchanged from FY2026. That is 34% above the New York, NY area-wide FMR of $2,971.

2-bedroom SAFMR$3,980per month ■ 0.0%

Area-wide 2 BR FMR$2,971New York, NY

Rank in the area41stof 410 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$3,582

2 BR Small Area FMR$3,980

110% of SAFMR$4,378

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$3,470▲ 0.3%

1 BR$3,660▲ 0.5%

2 BR$3,980■ 0.0%

3 BR$5,040▲ 1.0%

4 BR$5,520▲ 1.8%

FY2027 FY2026

Where 10518 sits in the New York, NY area

Of the 410 ZIP codes HUD lists for the area, 10518 has the 41st highest two-bedroom Small Area FMR. New York, 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 $2,971 for two bedrooms; an agency that opts in to Small Area FMRs would use $3,980 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$3,470	$3,123 – $3,817	$2,593	$3,460
1 bedroom	$3,660	$3,294 – $4,026	$2,729	$3,640
2 bedrooms	$3,980	$3,582 – $4,378	$2,971	$3,980
3 bedrooms	$5,040	$4,536 – $5,544	$3,760	$4,990
4 bedrooms	$5,520	$4,968 – $6,072	$4,121	$5,420

A household renting a two-bedroom home at the Small Area FMR of $3,980 needs about $159,200 a year to keep housing costs at 30% of income. The area median family income is $104,300 and the 80% low-income limit for four people is $135,700. ZIP code 10518 lies mainly in Westchester County. See the New York, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
10597	Waccabuc	1.9 mi	$3,580
10590	South Salem	2.7 mi	$3,540
10576	Pound Ridge	3.2 mi	$4,010
10526	Goldens Bridge	4.6 mi	$3,490
10560	North Salem	5.2 mi	$3,500
10536	Katonah	5.2 mi	$4,460

Questions

What is the Fair Market Rent for ZIP code 10518?

HUD's FY2027 Small Area Fair Market Rents for 10518 are $3,470 (studio), $3,660 (1 BR), $3,980 (2 BR), $5,040 (3 BR) and $5,520 (4 BR) a month.

What is the Section 8 payment standard in 10518?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10518 that range is $3,582 to $4,378 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 10518?

The FY2026 income limits of the New York, NY area apply: median family income $104,300, low-income (80%) limit $135,700 for a family of four.