FY2027 Small Area FMR · Gloversville, NY
ZIP 12078 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12078 (Gloversville, NY) is $1,080 a month, down 1.8% from FY2026. That is 3% above the Fulton County, NY area-wide FMR of $1,051.
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 12078 sits in the Fulton County, NY area
Of the 15 ZIP codes HUD lists for the area, 12078 has the 6th highest two-bedroom Small Area FMR. Fulton County, 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 $1,051 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,080 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $790 | $711 – $869 | $770 | $830 |
| 1 bedroom | $830 | $747 – $913 | $803 | $840 |
| 2 bedrooms | $1,080 | $972 – $1,188 | $1,051 | $1,100 |
| 3 bedrooms | $1,290 | $1,161 – $1,419 | $1,252 | $1,320 |
| 4 bedrooms | $1,470 | $1,323 – $1,617 | $1,427 | $1,490 |
A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 a year to keep housing costs at 30% of income. The area median family income is $81,100 and the 80% low-income limit for four people is $71,900. ZIP code 12078 lies mainly in Fulton County. See the Fulton County, NY county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 12078?
HUD's FY2027 Small Area Fair Market Rents for 12078 are $790 (studio), $830 (1 BR), $1,080 (2 BR), $1,290 (3 BR) and $1,470 (4 BR) a month.
What is the Section 8 payment standard in 12078?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12078 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 12078?
The FY2026 income limits of the Fulton County, NY area apply: median family income $81,100, low-income (80%) limit $71,900 for a family of four.