FY2027 Small Area FMR · Lake Luzerne, NY

ZIP 12846 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12846 (Lake Luzerne, NY) is $1,220 a month, unchanged from FY2026. That is 9% below the Glens Falls, NY area-wide FMR of $1,347.

2-bedroom SAFMR$1,220per month ■ 0.0%

Area-wide 2 BR FMR$1,347Glens Falls, NY

Rank in the area37thof 53 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,098

2 BR Small Area FMR$1,220

110% of SAFMR$1,342

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

Studio$940■ 0.0%

1 BR$960▼ 2.0%

2 BR$1,220■ 0.0%

3 BR$1,570▼ 0.6%

4 BR$1,610▼ 0.6%

FY2027 FY2026

Where 12846 sits in the Glens Falls, NY area

Of the 53 ZIP codes HUD lists for the area, 12846 has the 37th highest two-bedroom Small Area FMR. Glens Falls, 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 $1,347 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,220 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	$940	$846 – $1,034	$1,066	$940
1 bedroom	$960	$864 – $1,056	$1,073	$980
2 bedrooms	$1,220	$1,098 – $1,342	$1,347	$1,220
3 bedrooms	$1,570	$1,413 – $1,727	$1,745	$1,580
4 bedrooms	$1,610	$1,449 – $1,771	$1,770	$1,620

A household renting a two-bedroom home at the Small Area FMR of $1,220 needs about $48,800 a year to keep housing costs at 30% of income. The area median family income is $94,100 and the 80% low-income limit for four people is $76,000. ZIP code 12846 lies mainly in Warren County. See the Glens Falls, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12804	Queensbury	5.2 mi	$1,560
12845	Lake George	6.6 mi	$1,310
12801	Glens Falls	7.6 mi	$1,340
12803	South Glens Falls	8.9 mi	$1,590
12822	Corinth	10.5 mi	$1,540
12835	Hadley	10.9 mi	$1,540

Questions

What is the Fair Market Rent for ZIP code 12846?

HUD's FY2027 Small Area Fair Market Rents for 12846 are $940 (studio), $960 (1 BR), $1,220 (2 BR), $1,570 (3 BR) and $1,610 (4 BR) a month.

What is the Section 8 payment standard in 12846?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12846 that range is $1,098 to $1,342 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12846?

The FY2026 income limits of the Glens Falls, NY area apply: median family income $94,100, low-income (80%) limit $76,000 for a family of four.