FY2027 Small Area FMR · Freeport, NY

ZIP 11520 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11520 (Freeport, NY) is $2,480 a month, down 1.2% from FY2026. That is 8% below the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$2,480per month ▼ 1.2%

Area-wide 2 BR FMR$2,689Nassau-Suffolk, NY

Rank in the area167thof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,232

2 BR Small Area FMR$2,480

110% of SAFMR$2,728

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

Studio$1,800▼ 1.1%

1 BR$2,150▼ 0.9%

2 BR$2,480▼ 1.2%

3 BR$3,210▼ 1.5%

4 BR$3,400▼ 1.2%

FY2027 FY2026

Where 11520 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11520 has the 167th highest two-bedroom Small Area FMR. Nassau-Suffolk, 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 $2,689 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,480 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	$1,800	$1,620 – $1,980	$1,964	$1,820
1 bedroom	$2,150	$1,935 – $2,365	$2,285	$2,170
2 bedrooms	$2,480	$2,232 – $2,728	$2,689	$2,510
3 bedrooms	$3,210	$2,889 – $3,531	$3,458	$3,260
4 bedrooms	$3,400	$3,060 – $3,740	$3,671	$3,440

A household renting a two-bedroom home at the Small Area FMR of $2,480 needs about $99,200 a year to keep housing costs at 30% of income. The area median family income is $164,300 and the 80% low-income limit for four people is $128,100. ZIP code 11520 lies mainly in Nassau County. See the Nassau-Suffolk, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
11510	Baldwin	1.3 mi	$2,480
11566	Merrick	1.8 mi	$3,350
11575	Roosevelt	2.1 mi	$3,090
11572	Oceanside	3.1 mi	$2,640
11710	Bellmore	3.1 mi	$3,000
11570	Rockville Centre	3.1 mi	$2,480

Questions

What is the Fair Market Rent for ZIP code 11520?

HUD's FY2027 Small Area Fair Market Rents for 11520 are $1,800 (studio), $2,150 (1 BR), $2,480 (2 BR), $3,210 (3 BR) and $3,400 (4 BR) a month.

What is the Section 8 payment standard in 11520?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11520 that range is $2,232 to $2,728 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11520?

The FY2026 income limits of the Nassau-Suffolk, NY area apply: median family income $164,300, low-income (80%) limit $128,100 for a family of four.