FY2027 Small Area FMR · Elizaville, NY

ZIP 12523 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12523 (Elizaville, NY) is $1,440 a month, up 5.9% from FY2026. That is 4% below the Columbia County, NY area-wide FMR of $1,503.

2-bedroom SAFMR$1,440per month ▲ 5.9%

Area-wide 2 BR FMR$1,503Columbia County, NY

Rank in the area27thof 41 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,296

2 BR Small Area FMR$1,440

110% of SAFMR$1,584

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

Studio$1,210▲ 2.5%

1 BR$1,250▲ 4.2%

2 BR$1,440▲ 5.9%

3 BR$1,760▲ 7.3%

4 BR$1,890▲ 5.0%

FY2027 FY2026

Where 12523 sits in the Columbia County, NY area

Of the 41 ZIP codes HUD lists for the area, 12523 has the 27th 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 $1,440 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	$1,210	$1,089 – $1,331	$1,259	$1,180
1 bedroom	$1,250	$1,125 – $1,375	$1,300	$1,200
2 bedrooms	$1,440	$1,296 – $1,584	$1,503	$1,360
3 bedrooms	$1,760	$1,584 – $1,936	$1,837	$1,640
4 bedrooms	$1,890	$1,701 – $2,079	$1,975	$1,800

A household renting a two-bedroom home at the Small Area FMR of $1,440 needs about $57,600 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 12523 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

ZIP	Place	Distance	2 BR SAFMR
12502	Ancram	4.9 mi	$1,340
12526	Germantown	5.6 mi	$1,620
12583	Tivoli	5.8 mi	$2,220
12571	Red Hook	6.3 mi	$1,870
12521	Craryville	8.1 mi	$2,040
12504	Annandale On Hudson	8.6 mi	$2,100

Questions

What is the Fair Market Rent for ZIP code 12523?

HUD's FY2027 Small Area Fair Market Rents for 12523 are $1,210 (studio), $1,250 (1 BR), $1,440 (2 BR), $1,760 (3 BR) and $1,890 (4 BR) a month.

What is the Section 8 payment standard in 12523?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12523 that range is $1,296 to $1,584 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12523?

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.