FY2027 Small Area FMR · Kinderhook, NY
ZIP 12106 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12106 (Kinderhook, NY) is $1,430 a month, down 4.0% from FY2026. That is 5% below the Columbia County, NY area-wide FMR of $1,503.
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 12106 sits in the Columbia County, NY area
Of the 41 ZIP codes HUD lists for the area, 12106 has the 28th highest two-bedroom Small Area FMR. Columbia 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 $1,503 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,430 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,200 | $1,080 – $1,320 | $1,259 | $1,300 |
| 1 bedroom | $1,240 | $1,116 – $1,364 | $1,300 | $1,310 |
| 2 bedrooms | $1,430 | $1,287 – $1,573 | $1,503 | $1,490 |
| 3 bedrooms | $1,750 | $1,575 – $1,925 | $1,837 | $1,800 |
| 4 bedrooms | $1,880 | $1,692 – $2,068 | $1,975 | $1,970 |
A household renting a two-bedroom home at the Small Area FMR of $1,430 needs about $57,200 a year to keep housing costs at 30% of income. The area median family income is $116,800 and the 80% low-income limit for four people is $93,450. ZIP code 12106 lies mainly in Columbia County. See the Columbia 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 12106?
HUD's FY2027 Small Area Fair Market Rents for 12106 are $1,200 (studio), $1,240 (1 BR), $1,430 (2 BR), $1,750 (3 BR) and $1,880 (4 BR) a month.
What is the Section 8 payment standard in 12106?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12106 that range is $1,287 to $1,573 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 12106?
The FY2026 income limits of the Columbia County, NY area apply: median family income $116,800, low-income (80%) limit $93,450 for a family of four.