FY2027 Small Area FMR · Cornwall On Hudson, NY

ZIP 12520 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12520 (Cornwall On Hudson, NY) is $1,920 a month, up 4.9% from FY2026. That is 10% below the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.

2-bedroom SAFMR$1,920per month ▲ 4.9%

Area-wide 2 BR FMR$2,131Kiryas Joel-Poughkeepsie-New

Rank in the area81stof 100 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,728

2 BR Small Area FMR$1,920

110% of SAFMR$2,112

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

Studio$1,340▲ 6.3%

1 BR$1,500▲ 4.9%

2 BR$1,920▲ 4.9%

3 BR$2,420▲ 4.3%

4 BR$2,540▲ 2.0%

FY2027 FY2026

Where 12520 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area

Of the 100 ZIP codes HUD lists for the area, 12520 has the 81st highest two-bedroom Small Area FMR. Kiryas Joel-Poughkeepsie-Newburgh, 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 $2,131 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,920 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	$1,340	$1,206 – $1,474	$1,484	$1,260
1 bedroom	$1,500	$1,350 – $1,650	$1,659	$1,430
2 bedrooms	$1,920	$1,728 – $2,112	$2,131	$1,830
3 bedrooms	$2,420	$2,178 – $2,662	$2,685	$2,320
4 bedrooms	$2,540	$2,286 – $2,794	$2,824	$2,490

A household renting a two-bedroom home at the Small Area FMR of $1,920 needs about $76,800 a year to keep housing costs at 30% of income. The area median family income is $125,900 and the 80% low-income limit for four people is $100,700. ZIP code 12520 lies mainly in Orange County. See the Kiryas Joel-Poughkeepsie-Newburgh, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12518	Cornwall	2.6 mi	$2,320
10996	West Point	2.7 mi	$2,680
10953	Mountainville	4.5 mi	$2,320
12553	New Windsor	4.5 mi	$2,130
10524	Garrison	5.1 mi	$3,960
12508	Beacon	5.2 mi	$2,310

Questions

What is the Fair Market Rent for ZIP code 12520?

HUD's FY2027 Small Area Fair Market Rents for 12520 are $1,340 (studio), $1,500 (1 BR), $1,920 (2 BR), $2,420 (3 BR) and $2,540 (4 BR) a month.

What is the Section 8 payment standard in 12520?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12520 that range is $1,728 to $2,112 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12520?

The FY2026 income limits of the Kiryas Joel-Poughkeepsie-Newburgh, NY area apply: median family income $125,900, low-income (80%) limit $100,700 for a family of four.