FY2027 Small Area FMR · Cold Spring Harbor, NY

ZIP 11724 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11724 (Cold Spring Harbor, NY) is $3,180 a month, up 0.3% from FY2026. That is 18% above the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$3,180per month ▲ 0.3%

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

Rank in the area32ndof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,862

2 BR Small Area FMR$3,180

110% of SAFMR$3,498

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

Studio$2,330▲ 1.3%

1 BR$2,700▼ 1.5%

2 BR$3,180▲ 0.3%

3 BR$4,090▼ 0.5%

4 BR$4,340■ 0.0%

FY2027 FY2026

Where 11724 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11724 has the 32nd 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 $3,180 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	$2,330	$2,097 – $2,563	$1,964	$2,300
1 bedroom	$2,700	$2,430 – $2,970	$2,285	$2,740
2 bedrooms	$3,180	$2,862 – $3,498	$2,689	$3,170
3 bedrooms	$4,090	$3,681 – $4,499	$3,458	$4,110
4 bedrooms	$4,340	$3,906 – $4,774	$3,671	$4,340

A household renting a two-bedroom home at the Small Area FMR of $3,180 needs about $127,200 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 11724 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
11743	Huntington	2.2 mi	$2,940
11797	Woodbury	3.2 mi	$3,920
11791	Syosset	3.6 mi	$4,030
11771	Oyster Bay	3.6 mi	$2,480
11732	East Norwich	4.4 mi	$3,500
11740	Greenlawn	5.0 mi	$2,650

Questions

What is the Fair Market Rent for ZIP code 11724?

HUD's FY2027 Small Area Fair Market Rents for 11724 are $2,330 (studio), $2,700 (1 BR), $3,180 (2 BR), $4,090 (3 BR) and $4,340 (4 BR) a month.

What is the Section 8 payment standard in 11724?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11724 that range is $2,862 to $3,498 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11724?

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.