FY2027 Small Area FMR · Garden City, NY

ZIP 11531 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11531 (Garden City, NY) is $2,710 a month, down 2.5% from FY2026. That is 1% above the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$2,710per month ▼ 2.5%

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

Rank in the area104thof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,439

2 BR Small Area FMR$2,710

110% of SAFMR$2,981

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

Studio$1,980▼ 2.0%

1 BR$2,300▼ 4.6%

2 BR$2,710▼ 2.5%

3 BR$3,490▼ 3.3%

4 BR$3,700▼ 2.9%

FY2027 FY2026

Where 11531 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11531 has the 104th 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 $2,710 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	$1,980	$1,782 – $2,178	$1,964	$2,020
1 bedroom	$2,300	$2,070 – $2,530	$2,285	$2,410
2 bedrooms	$2,710	$2,439 – $2,981	$2,689	$2,780
3 bedrooms	$3,490	$3,141 – $3,839	$3,458	$3,610
4 bedrooms	$3,700	$3,330 – $4,070	$3,671	$3,810

A household renting a two-bedroom home at the Small Area FMR of $2,710 needs about $108,400 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 11531 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
11530	Garden City	0.1 mi	$3,150
11501	Mineola	1.4 mi	$2,740
11549	Hempstead	1.8 mi	$2,700
11550	Hempstead	1.9 mi	$2,480
11514	Carle Place	2.0 mi	$2,760
11596	Williston Park	2.3 mi	$2,500

Questions

What is the Fair Market Rent for ZIP code 11531?

HUD's FY2027 Small Area Fair Market Rents for 11531 are $1,980 (studio), $2,300 (1 BR), $2,710 (2 BR), $3,490 (3 BR) and $3,700 (4 BR) a month.

What is the Section 8 payment standard in 11531?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11531 that range is $2,439 to $2,981 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11531?

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.