FY2027 Small Area FMR · Gardiner, NY

ZIP 12525 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12525 (Gardiner, NY) is $2,120 a month, up 9.3% from FY2026. That is 13% above the Kingston, NY area-wide FMR of $1,878.

2-bedroom SAFMR$2,120per month ▲ 9.3%

Area-wide 2 BR FMR$1,878Kingston, NY

Rank in the area16thof 69 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,908

2 BR Small Area FMR$2,120

110% of SAFMR$2,332

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

Studio$1,480▲ 6.5%

1 BR$1,620▲ 9.5%

2 BR$2,120▲ 9.3%

3 BR$2,580▲ 7.5%

4 BR$2,790▲ 8.6%

FY2027 FY2026

Where 12525 sits in the Kingston, NY area

Of the 69 ZIP codes HUD lists for the area, 12525 has the 16th 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 $2,120 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	$1,480	$1,332 – $1,628	$1,308	$1,390
1 bedroom	$1,620	$1,458 – $1,782	$1,436	$1,480
2 bedrooms	$2,120	$1,908 – $2,332	$1,878	$1,940
3 bedrooms	$2,580	$2,322 – $2,838	$2,282	$2,400
4 bedrooms	$2,790	$2,511 – $3,069	$2,468	$2,570

A household renting a two-bedroom home at the Small Area FMR of $2,120 needs about $84,800 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 12525 lies mainly in Ulster County. See the Kingston, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12589	Wallkill	4.9 mi	$1,790
12548	Modena	5.0 mi	$1,890
12440	High Falls	6.2 mi	$1,870
12515	Clintondale	6.4 mi	$1,640
12561	New Paltz	6.7 mi	$2,150
12566	Pine Bush	7.9 mi	$2,010

Questions

What is the Fair Market Rent for ZIP code 12525?

HUD's FY2027 Small Area Fair Market Rents for 12525 are $1,480 (studio), $1,620 (1 BR), $2,120 (2 BR), $2,580 (3 BR) and $2,790 (4 BR) a month.

What is the Section 8 payment standard in 12525?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12525 that range is $1,908 to $2,332 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12525?

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.