FY2027 Small Area FMR · Westhampton Beach, NY

ZIP 11978 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 11978 (Westhampton Beach, NY) is $2,590 a month, down 4.1% from FY2026. That is 4% below the Nassau-Suffolk, NY area-wide FMR of $2,689.

2-bedroom SAFMR$2,590per month ▼ 4.1%

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

Rank in the area148thof 190 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,331

2 BR Small Area FMR$2,590

110% of SAFMR$2,849

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

Studio$1,890▼ 3.6%

1 BR$2,200▼ 6.0%

2 BR$2,590▼ 4.1%

3 BR$3,330▼ 4.9%

4 BR$3,540▼ 4.3%

FY2027 FY2026

Where 11978 sits in the Nassau-Suffolk, NY area

Of the 190 ZIP codes HUD lists for the area, 11978 has the 148th 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 $2,590 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	$1,890	$1,701 – $2,079	$1,964	$1,960
1 bedroom	$2,200	$1,980 – $2,420	$2,285	$2,340
2 bedrooms	$2,590	$2,331 – $2,849	$2,689	$2,700
3 bedrooms	$3,330	$2,997 – $3,663	$3,458	$3,500
4 bedrooms	$3,540	$3,186 – $3,894	$3,671	$3,700

A household renting a two-bedroom home at the Small Area FMR of $2,590 needs about $103,600 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 11978 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
11977	Westhampton	1.6 mi	$2,730
11959	Quogue	2.5 mi	$3,800
11960	Remsenburg	3.2 mi	$2,670
11972	Speonk	3.2 mi	$2,670
11942	East Quogue	3.8 mi	$2,480
11941	Eastport	4.2 mi	$2,650

Questions

What is the Fair Market Rent for ZIP code 11978?

HUD's FY2027 Small Area Fair Market Rents for 11978 are $1,890 (studio), $2,200 (1 BR), $2,590 (2 BR), $3,330 (3 BR) and $3,540 (4 BR) a month.

What is the Section 8 payment standard in 11978?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 11978 that range is $2,331 to $2,849 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 11978?

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.