FY2027 Small Area FMR · Smithtown, NY
ZIP 11787 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11787 (Smithtown, NY) is $3,190 a month, up 0.9% from FY2026. That is 19% above the Nassau-Suffolk, NY area-wide FMR of $2,689.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 11787 sits in the Nassau-Suffolk, NY area
Of the 190 ZIP codes HUD lists for the area, 11787 has the 31st 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 $3,190 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,330 | $2,097 – $2,563 | $1,964 | $2,290 |
| 1 bedroom | $2,710 | $2,439 – $2,981 | $2,285 | $2,740 |
| 2 bedrooms | $3,190 | $2,871 – $3,509 | $2,689 | $3,160 |
| 3 bedrooms | $4,100 | $3,690 – $4,510 | $3,458 | $4,100 |
| 4 bedrooms | $4,360 | $3,924 – $4,796 | $3,671 | $4,330 |
A household renting a two-bedroom home at the Small Area FMR of $3,190 needs about $127,600 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 11787 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
Questions
What is the Fair Market Rent for ZIP code 11787?
HUD's FY2027 Small Area Fair Market Rents for 11787 are $2,330 (studio), $2,710 (1 BR), $3,190 (2 BR), $4,100 (3 BR) and $4,360 (4 BR) a month.
What is the Section 8 payment standard in 11787?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11787 that range is $2,871 to $3,509 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 11787?
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.