FY2027 Small Area FMR · Wading River, NY

ZIP 11792 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11792 (Wading River, NY) is $3,390 a month, down 9.8% from FY2026. That is 26% above the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$3,390per month ▼ 9.8%

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

Rank in the area18thof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$3,051

2 BR Small Area FMR$3,390

110% of SAFMR$3,729

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

Studio$2,460▼ 9.9%

1 BR$2,940▼ 9.8%

2 BR$3,390▼ 9.8%

3 BR$4,400▼ 9.8%

4 BR$4,650▼ 9.9%

FY2027 FY2026

Where 11792 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11792 has the 18th 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 $3,390 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	$2,460	$2,214 – $2,706	$1,964	$2,730
1 bedroom	$2,940	$2,646 – $3,234	$2,285	$3,260
2 bedrooms	$3,390	$3,051 – $3,729	$2,689	$3,760
3 bedrooms	$4,400	$3,960 – $4,840	$3,458	$4,880
4 bedrooms	$4,650	$4,185 – $5,115	$3,671	$5,160

A household renting a two-bedroom home at the Small Area FMR of $3,390 needs about $135,600 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 11792 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
11786	Shoreham	3.2 mi	$3,080
11933	Calverton	3.3 mi	$2,510
11961	Ridge	4.8 mi	$2,480
11778	Rocky Point	5.8 mi	$2,480
11949	Manorville	6.2 mi	$2,610
11973	Upton	6.7 mi	$2,580

Questions

What is the Fair Market Rent for ZIP code 11792?

HUD's FY2027 Small Area Fair Market Rents for 11792 are $2,460 (studio), $2,940 (1 BR), $3,390 (2 BR), $4,400 (3 BR) and $4,650 (4 BR) a month.

What is the Section 8 payment standard in 11792?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11792 that range is $3,051 to $3,729 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11792?

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.