FY2027 Small Area FMR · Sand Lake, NY

ZIP 12153 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12153 (Sand Lake, NY) is $1,910 a month, up 4.9% from FY2026. That is 12% above the Albany-Schenectady-Troy, NY area-wide FMR of $1,711.

2-bedroom SAFMR$1,910per month ▲ 4.9%

Area-wide 2 BR FMR$1,711Albany-Schenectady-Troy, NY

Rank in the area22ndof 153 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,719

2 BR Small Area FMR$1,910

110% of SAFMR$2,101

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

Studio$1,380▲ 6.2%

1 BR$1,590▲ 5.3%

2 BR$1,910▲ 4.9%

3 BR$2,280▲ 4.6%

4 BR$2,520▲ 4.6%

FY2027 FY2026

Where 12153 sits in the Albany-Schenectady-Troy, NY area

Of the 153 ZIP codes HUD lists for the area, 12153 has the 22nd highest two-bedroom Small Area FMR. Albany-Schenectady-Troy, 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 $1,711 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,910 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	$1,380	$1,242 – $1,518	$1,238	$1,300
1 bedroom	$1,590	$1,431 – $1,749	$1,425	$1,510
2 bedrooms	$1,910	$1,719 – $2,101	$1,711	$1,820
3 bedrooms	$2,280	$2,052 – $2,508	$2,039	$2,180
4 bedrooms	$2,520	$2,268 – $2,772	$2,249	$2,410

A household renting a two-bedroom home at the Small Area FMR of $1,910 needs about $76,400 a year to keep housing costs at 30% of income. The area median family income is $123,100 and the 80% low-income limit for four people is $98,500. ZIP code 12153 lies mainly in Rensselaer County. See the Albany-Schenectady-Troy, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12018	Averill Park	2.5 mi	$1,990
12169	Stephentown	3.0 mi	$1,880
12140	Poestenkill	5.9 mi	$1,540
12040	Cherry Plain	6.2 mi	$1,740
12062	East Nassau	6.7 mi	$1,540
12168	Stephentown	6.8 mi	$1,650

Questions

What is the Fair Market Rent for ZIP code 12153?

HUD's FY2027 Small Area Fair Market Rents for 12153 are $1,380 (studio), $1,590 (1 BR), $1,910 (2 BR), $2,280 (3 BR) and $2,520 (4 BR) a month.

What is the Section 8 payment standard in 12153?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12153 that range is $1,719 to $2,101 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12153?

The FY2026 income limits of the Albany-Schenectady-Troy, NY area apply: median family income $123,100, low-income (80%) limit $98,500 for a family of four.