FY2027 Small Area FMR · White Plains, NY

ZIP 10601 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10601 (White Plains, NY) is $3,430 a month, up 2.1% from FY2026. That is 15% above the New York, NY area-wide FMR of $2,971.

2-bedroom SAFMR$3,430per month ▲ 2.1%

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

Rank in the area179thof 410 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$3,087

2 BR Small Area FMR$3,430

110% of SAFMR$3,773

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

Studio$2,990▲ 2.4%

1 BR$3,150▲ 2.6%

2 BR$3,430▲ 2.1%

3 BR$4,340▲ 3.1%

4 BR$4,760▲ 4.2%

FY2027 FY2026

Where 10601 sits in the New York, NY area

Of the 410 ZIP codes HUD lists for the area, 10601 has the 179th 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 $3,430 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	$2,990	$2,691 – $3,289	$2,593	$2,920
1 bedroom	$3,150	$2,835 – $3,465	$2,729	$3,070
2 bedrooms	$3,430	$3,087 – $3,773	$2,971	$3,360
3 bedrooms	$4,340	$3,906 – $4,774	$3,760	$4,210
4 bedrooms	$4,760	$4,284 – $5,236	$4,121	$4,570

A household renting a two-bedroom home at the Small Area FMR of $3,430 needs about $137,200 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 10601 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
10606	White Plains	1.0 mi	$3,900
10603	White Plains	1.7 mi	$3,090
10605	White Plains	1.9 mi	$3,590
10607	White Plains	2.4 mi	$3,820
10530	Hartsdale	2.6 mi	$3,570
10604	West Harrison	2.8 mi	$3,260

Questions

What is the Fair Market Rent for ZIP code 10601?

HUD's FY2027 Small Area Fair Market Rents for 10601 are $2,990 (studio), $3,150 (1 BR), $3,430 (2 BR), $4,340 (3 BR) and $4,760 (4 BR) a month.

What is the Section 8 payment standard in 10601?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10601 that range is $3,087 to $3,773 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 10601?

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.