FY2027 Small Area FMR · Millwood, NY
ZIP 10546 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10546 (Millwood, NY) is $3,670 a month, up 1.7% from FY2026. That is 24% above the New York, NY area-wide FMR of $2,971.
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 10546 sits in the New York, NY area
Of the 410 ZIP codes HUD lists for the area, 10546 has the 152nd 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 $3,670 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $3,210 | $2,889 – $3,531 | $2,593 | $3,140 |
| 1 bedroom | $3,380 | $3,042 – $3,718 | $2,729 | $3,290 |
| 2 bedrooms | $3,670 | $3,303 – $4,037 | $2,971 | $3,610 |
| 3 bedrooms | $4,650 | $4,185 – $5,115 | $3,760 | $4,520 |
| 4 bedrooms | $5,090 | $4,581 – $5,599 | $4,121 | $4,910 |
A household renting a two-bedroom home at the Small Area FMR of $3,670 needs about $146,800 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 10546 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
Questions
What is the Fair Market Rent for ZIP code 10546?
HUD's FY2027 Small Area Fair Market Rents for 10546 are $3,210 (studio), $3,380 (1 BR), $3,670 (2 BR), $4,650 (3 BR) and $5,090 (4 BR) a month.
What is the Section 8 payment standard in 10546?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10546 that range is $3,303 to $4,037 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 10546?
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.