FY2027 Small Area FMR · Cutchogue, NY

ZIP 11935 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11935 (Cutchogue, NY) is $2,570 a month, down 6.9% from FY2026. That is 4% below the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$2,570per month ▼ 6.9%

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

Rank in the area152ndof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,313

2 BR Small Area FMR$2,570

110% of SAFMR$2,827

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

Studio$1,880▼ 6.0%

1 BR$2,180▼ 8.8%

2 BR$2,570▼ 6.9%

3 BR$3,310▼ 7.5%

4 BR$3,510▼ 7.4%

FY2027 FY2026

Where 11935 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11935 has the 152nd 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 $2,570 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	$2,000
1 bedroom	$2,180	$1,962 – $2,398	$2,285	$2,390
2 bedrooms	$2,570	$2,313 – $2,827	$2,689	$2,760
3 bedrooms	$3,310	$2,979 – $3,641	$3,458	$3,580
4 bedrooms	$3,510	$3,159 – $3,861	$3,671	$3,790

A household renting a two-bedroom home at the Small Area FMR of $2,570 needs about $102,800 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 11935 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
11958	Peconic	1.7 mi	$2,630
11952	Mattituck	3.4 mi	$2,570
11956	New Suffolk	3.8 mi	$2,570
11971	Southold	4.2 mi	$2,670
11948	Laurel	5.3 mi	$2,670
11947	Jamesport	6.6 mi	$2,570

Questions

What is the Fair Market Rent for ZIP code 11935?

HUD's FY2027 Small Area Fair Market Rents for 11935 are $1,880 (studio), $2,180 (1 BR), $2,570 (2 BR), $3,310 (3 BR) and $3,510 (4 BR) a month.

What is the Section 8 payment standard in 11935?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11935 that range is $2,313 to $2,827 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11935?

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.