FY2027 Small Area FMR · Shoreham, NY

ZIP 11786 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11786 (Shoreham, NY) is $3,080 a month, down 9.9% from FY2026. That is 15% above the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$3,080per month ▼ 9.9%

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

Rank in the area41stof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,772

2 BR Small Area FMR$3,080

110% of SAFMR$3,388

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

Studio$2,240▼ 9.7%

1 BR$2,670▼ 9.8%

2 BR$3,080▼ 9.9%

3 BR$4,000▼ 9.9%

4 BR$4,230▼ 9.8%

FY2027 FY2026

Where 11786 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11786 has the 41st 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 $3,080 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	$2,240	$2,016 – $2,464	$1,964	$2,480
1 bedroom	$2,670	$2,403 – $2,937	$2,285	$2,960
2 bedrooms	$3,080	$2,772 – $3,388	$2,689	$3,420
3 bedrooms	$4,000	$3,600 – $4,400	$3,458	$4,440
4 bedrooms	$4,230	$3,807 – $4,653	$3,671	$4,690

A household renting a two-bedroom home at the Small Area FMR of $3,080 needs about $123,200 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 11786 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
11778	Rocky Point	2.6 mi	$2,480
11961	Ridge	3.1 mi	$2,480
11792	Wading River	3.2 mi	$3,390
11789	Sound Beach	4.5 mi	$3,470
11764	Miller Place	4.7 mi	$3,120
11953	Middle Island	5.2 mi	$2,510

Questions

What is the Fair Market Rent for ZIP code 11786?

HUD's FY2027 Small Area Fair Market Rents for 11786 are $2,240 (studio), $2,670 (1 BR), $3,080 (2 BR), $4,000 (3 BR) and $4,230 (4 BR) a month.

What is the Section 8 payment standard in 11786?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11786 that range is $2,772 to $3,388 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11786?

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.