FY2027 Small Area FMR · Otisville, NY

ZIP 10963 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10963 (Otisville, NY) is $1,790 a month, up 4.1% from FY2026. That is 16% below the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.

2-bedroom SAFMR$1,790per month ▲ 4.1%

Area-wide 2 BR FMR$2,131Kiryas Joel-Poughkeepsie-New

Rank in the area86thof 100 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,611

2 BR Small Area FMR$1,790

110% of SAFMR$1,969

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

Studio$1,230▲ 4.2%

1 BR$1,400▲ 3.7%

2 BR$1,790▲ 4.1%

3 BR$2,260▲ 3.2%

4 BR$2,430▲ 2.5%

FY2027 FY2026

Where 10963 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area

Of the 100 ZIP codes HUD lists for the area, 10963 has the 86th 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 $1,790 for this ZIP code instead.

ZIP code 10963 crosses more than one HUD area. HUD also lists it under Sullivan County, NY (same figures). The figure that applies depends on which side of the line the home is.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,230	$1,107 – $1,353	$1,484	$1,180
1 bedroom	$1,400	$1,260 – $1,540	$1,659	$1,350
2 bedrooms	$1,790	$1,611 – $1,969	$2,131	$1,720
3 bedrooms	$2,260	$2,034 – $2,486	$2,685	$2,190
4 bedrooms	$2,430	$2,187 – $2,673	$2,824	$2,370

A household renting a two-bedroom home at the Small Area FMR of $1,790 needs about $71,600 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 10963 lies mainly in Orange County and Sullivan County. See the Kiryas Joel-Poughkeepsie-Newburgh, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
10940	Middletown	3.5 mi	$2,160
12729	Cuddebackville	4.2 mi	$1,970
10932	Howells	4.3 mi	$2,160
12785	Westbrookville	4.8 mi	$1,790
12746	Huguenot	6.5 mi	$1,800
10973	Slate Hill	6.6 mi	$2,380

Questions

What is the Fair Market Rent for ZIP code 10963?

HUD's FY2027 Small Area Fair Market Rents for 10963 are $1,230 (studio), $1,400 (1 BR), $1,790 (2 BR), $2,260 (3 BR) and $2,430 (4 BR) a month.

What is the Section 8 payment standard in 10963?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10963 that range is $1,611 to $1,969 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 10963?

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.