FY2027 Small Area FMR · Sugar Loaf, NY

ZIP 10981 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10981 (Sugar Loaf, NY) is $2,170 a month, up 7.4% from FY2026. That is 2% above the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.

2-bedroom SAFMR$2,170per month ▲ 7.4%

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

Rank in the area43rdof 100 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,953

2 BR Small Area FMR$2,170

110% of SAFMR$2,387

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

Studio$1,510▲ 8.6%

1 BR$1,690▲ 7.0%

2 BR$2,170▲ 7.4%

3 BR$2,730▲ 6.6%

4 BR$2,880▲ 4.7%

FY2027 FY2026

Where 10981 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area

Of the 100 ZIP codes HUD lists for the area, 10981 has the 43rd 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 $2,170 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	$1,510	$1,359 – $1,661	$1,484	$1,390
1 bedroom	$1,690	$1,521 – $1,859	$1,659	$1,580
2 bedrooms	$2,170	$1,953 – $2,387	$2,131	$2,020
3 bedrooms	$2,730	$2,457 – $3,003	$2,685	$2,560
4 bedrooms	$2,880	$2,592 – $3,168	$2,824	$2,750

A household renting a two-bedroom home at the Small Area FMR of $2,170 needs about $86,800 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 10981 lies mainly in Orange 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
10918	Chester	2.0 mi	$2,340
10921	Florida	3.9 mi	$2,430
10950	Monroe	4.6 mi	$2,260
10924	Goshen	5.2 mi	$2,190
10990	Warwick	5.5 mi	$1,870
10975	Southfields	7.2 mi	$2,820

Questions

What is the Fair Market Rent for ZIP code 10981?

HUD's FY2027 Small Area Fair Market Rents for 10981 are $1,510 (studio), $1,690 (1 BR), $2,170 (2 BR), $2,730 (3 BR) and $2,880 (4 BR) a month.

What is the Section 8 payment standard in 10981?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10981 that range is $1,953 to $2,387 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 10981?

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.