FY2027 Small Area FMR · Napanoch, NY
ZIP 12458 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12458 (Napanoch, NY) is $1,640 a month, up 1.2% from FY2026. That is 13% below the Kingston, NY area-wide FMR of $1,878.
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 12458 sits in the Kingston, NY area
Of the 69 ZIP codes HUD lists for the area, 12458 has the 52nd highest two-bedroom Small Area FMR. Kingston, 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 $1,878 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,640 for this ZIP code instead.
ZIP code 12458 crosses more than one HUD area. HUD also lists it under Sullivan County, NY (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,180 | $1,062 – $1,298 | $1,308 | $1,240 |
| 1 bedroom | $1,250 | $1,125 – $1,375 | $1,436 | $1,240 |
| 2 bedrooms | $1,640 | $1,476 – $1,804 | $1,878 | $1,620 |
| 3 bedrooms | $2,030 | $1,827 – $2,233 | $2,282 | $2,060 |
| 4 bedrooms | $2,170 | $1,953 – $2,387 | $2,468 | $2,220 |
A household renting a two-bedroom home at the Small Area FMR of $1,640 needs about $65,600 a year to keep housing costs at 30% of income. The area median family income is $117,300 and the 80% low-income limit for four people is $93,850. ZIP code 12458 lies mainly in Ulster County and Sullivan County. See the Kingston, 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 12458?
HUD's FY2027 Small Area Fair Market Rents for 12458 are $1,180 (studio), $1,250 (1 BR), $1,640 (2 BR), $2,030 (3 BR) and $2,170 (4 BR) a month.
What is the Section 8 payment standard in 12458?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12458 that range is $1,476 to $1,804 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 12458?
The FY2026 income limits of the Kingston, NY area apply: median family income $117,300, low-income (80%) limit $93,850 for a family of four.