FY2027 Small Area FMR · Centereach, NY

ZIP 11720 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11720 (Centereach, NY) is $2,580 a month, down 4.8% from FY2026. That is 4% below the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$2,580per month ▼ 4.8%

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

Rank in the area149thof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,322

2 BR Small Area FMR$2,580

110% of SAFMR$2,838

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

Studio$1,880▼ 4.6%

1 BR$2,190▼ 6.8%

2 BR$2,580▼ 4.8%

3 BR$3,320▼ 5.7%

4 BR$3,520▼ 5.4%

FY2027 FY2026

Where 11720 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11720 has the 149th 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 $2,580 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	$1,880	$1,692 – $2,068	$1,964	$1,970
1 bedroom	$2,190	$1,971 – $2,409	$2,285	$2,350
2 bedrooms	$2,580	$2,322 – $2,838	$2,689	$2,710
3 bedrooms	$3,320	$2,988 – $3,652	$3,458	$3,520
4 bedrooms	$3,520	$3,168 – $3,872	$3,671	$3,720

A household renting a two-bedroom home at the Small Area FMR of $2,580 needs about $103,200 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 11720 lies mainly in Suffolk 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
11755	Lake Grove	2.0 mi	$2,740
11784	Selden	2.1 mi	$2,710
11738	Farmingville	3.2 mi	$3,310
11790	Stony Brook	3.4 mi	$3,340
11776	Port Jefferson Station	3.5 mi	$2,700
11794	Stony Brook	3.7 mi	$3,340

Questions

What is the Fair Market Rent for ZIP code 11720?

HUD's FY2027 Small Area Fair Market Rents for 11720 are $1,880 (studio), $2,190 (1 BR), $2,580 (2 BR), $3,320 (3 BR) and $3,520 (4 BR) a month.

What is the Section 8 payment standard in 11720?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11720 that range is $2,322 to $2,838 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11720?

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.