FY2027 Small Area FMR · Smallwood, NY
ZIP 12778 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12778 (Smallwood, NY) is $1,300 a month, unchanged from FY2026. That is 0% equal to the Sullivan County, NY area-wide FMR of $1,299.
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 12778 sits in the Sullivan County, NY area
Of the 63 ZIP codes HUD lists for the area, 12778 has the 41st highest two-bedroom Small Area FMR. Sullivan 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 $1,299 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,300 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,010 | $909 – $1,111 | $1,005 | $990 |
| 1 bedroom | $1,040 | $936 – $1,144 | $1,039 | $1,070 |
| 2 bedrooms | $1,300 | $1,170 – $1,430 | $1,299 | $1,300 |
| 3 bedrooms | $1,800 | $1,620 – $1,980 | $1,799 | $1,810 |
| 4 bedrooms | $1,830 | $1,647 – $2,013 | $1,824 | $1,890 |
A household renting a two-bedroom home at the Small Area FMR of $1,300 needs about $52,000 a year to keep housing costs at 30% of income. The area median family income is $84,200 and the 80% low-income limit for four people is $74,150. ZIP code 12778 lies mainly in Sullivan County. See the Sullivan County, 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 12778?
HUD's FY2027 Small Area Fair Market Rents for 12778 are $1,010 (studio), $1,040 (1 BR), $1,300 (2 BR), $1,800 (3 BR) and $1,830 (4 BR) a month.
What is the Section 8 payment standard in 12778?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12778 that range is $1,170 to $1,430 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 12778?
The FY2026 income limits of the Sullivan County, NY area apply: median family income $84,200, low-income (80%) limit $74,150 for a family of four.