FY2027 Small Area FMR · Warwick, NY

ZIP 10990 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 10990 (Warwick, NY) is $1,870 a month, up 7.5% from FY2026. That is 12% below the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.

2-bedroom SAFMR$1,870per month ▲ 7.5%

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

Rank in the area82ndof 100 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,683

2 BR Small Area FMR$1,870

110% of SAFMR$2,057

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

Studio$1,300▲ 8.3%

1 BR$1,460▲ 7.4%

2 BR$1,870▲ 7.5%

3 BR$2,360▲ 6.8%

4 BR$2,480▲ 4.6%

FY2027 FY2026

Where 10990 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area

Of the 100 ZIP codes HUD lists for the area, 10990 has the 82nd 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 $1,870 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	$1,300	$1,170 – $1,430	$1,484	$1,200
1 bedroom	$1,460	$1,314 – $1,606	$1,659	$1,360
2 bedrooms	$1,870	$1,683 – $2,057	$2,131	$1,740
3 bedrooms	$2,360	$2,124 – $2,596	$2,685	$2,210
4 bedrooms	$2,480	$2,232 – $2,728	$2,824	$2,370

A household renting a two-bedroom home at the Small Area FMR of $1,870 needs about $74,800 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 10990 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
10921	Florida	4.5 mi	$2,430
10925	Greenwood Lake	5.3 mi	$2,020
10979	Sterling Forest	6.4 mi	$2,130
07421	Hewitt	6.5 mi	$2,820
07418	Glenwood	6.6 mi	$2,060
10969	Pine Island	6.7 mi	$2,160

Questions

What is the Fair Market Rent for ZIP code 10990?

HUD's FY2027 Small Area Fair Market Rents for 10990 are $1,300 (studio), $1,460 (1 BR), $1,870 (2 BR), $2,360 (3 BR) and $2,480 (4 BR) a month.

What is the Section 8 payment standard in 10990?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 10990 that range is $1,683 to $2,057 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 10990?

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.