FY2027 Small Area FMR · Poughkeepsie, NY

ZIP 12604 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12604 (Poughkeepsie, NY) is $2,210 a month, up 7.8% from FY2026. That is 4% above the Kiryas Joel-Poughkeepsie-Newburgh, NY area-wide FMR of $2,131.

2-bedroom SAFMR$2,210per month ▲ 7.8%

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

Rank in the area36thof 100 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,989

2 BR Small Area FMR$2,210

110% of SAFMR$2,431

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

Studio$1,540▲ 9.2%

1 BR$1,720▲ 7.5%

2 BR$2,210▲ 7.8%

3 BR$2,790▲ 7.3%

4 BR$2,930▲ 5.0%

FY2027 FY2026

Where 12604 sits in the Kiryas Joel-Poughkeepsie-Newburgh, NY area

Of the 100 ZIP codes HUD lists for the area, 12604 has the 36th 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 $2,210 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	$1,540	$1,386 – $1,694	$1,484	$1,410
1 bedroom	$1,720	$1,548 – $1,892	$1,659	$1,600
2 bedrooms	$2,210	$1,989 – $2,431	$2,131	$2,050
3 bedrooms	$2,790	$2,511 – $3,069	$2,685	$2,600
4 bedrooms	$2,930	$2,637 – $3,223	$2,824	$2,790

A household renting a two-bedroom home at the Small Area FMR of $2,210 needs about $88,400 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 12604 lies mainly in Dutchess 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
12601	Poughkeepsie	1.4 mi	$1,950
12603	Poughkeepsie	1.7 mi	$2,210
12547	Milton	5.2 mi	$2,710
12569	Pleasant Valley	6.0 mi	$2,530
12528	Highland	6.5 mi	$2,190
12590	Wappingers Falls	6.6 mi	$2,250

Questions

What is the Fair Market Rent for ZIP code 12604?

HUD's FY2027 Small Area Fair Market Rents for 12604 are $1,540 (studio), $1,720 (1 BR), $2,210 (2 BR), $2,790 (3 BR) and $2,930 (4 BR) a month.

What is the Section 8 payment standard in 12604?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12604 that range is $1,989 to $2,431 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12604?

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.