FY2027 Small Area FMR · Middle Grove, NY

ZIP 12850 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12850 (Middle Grove, NY) is $1,540 a month, down 1.3% from FY2026. That is 10% below the Albany-Schenectady-Troy, NY area-wide FMR of $1,711.

2-bedroom SAFMR$1,540per month ▼ 1.3%

Area-wide 2 BR FMR$1,711Albany-Schenectady-Troy, NY

Rank in the area86thof 153 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,386

2 BR Small Area FMR$1,540

110% of SAFMR$1,694

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

Studio$1,100▼ 1.8%

1 BR$1,280▼ 1.5%

2 BR$1,540▼ 1.3%

3 BR$1,840▼ 1.6%

4 BR$2,030▼ 1.9%

FY2027 FY2026

Where 12850 sits in the Albany-Schenectady-Troy, NY area

Of the 153 ZIP codes HUD lists for the area, 12850 has the 86th highest two-bedroom Small Area FMR. Albany-Schenectady-Troy, 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 $1,711 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 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	$1,100	$990 – $1,210	$1,238	$1,120
1 bedroom	$1,280	$1,152 – $1,408	$1,425	$1,300
2 bedrooms	$1,540	$1,386 – $1,694	$1,711	$1,560
3 bedrooms	$1,840	$1,656 – $2,024	$2,039	$1,870
4 bedrooms	$2,030	$1,827 – $2,233	$2,249	$2,070

A household renting a two-bedroom home at the Small Area FMR of $1,540 needs about $61,600 a year to keep housing costs at 30% of income. The area median family income is $123,100 and the 80% low-income limit for four people is $98,500. ZIP code 12850 lies mainly in Saratoga County. See the Albany-Schenectady-Troy, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12863	Rock City Falls	3.8 mi	$1,540
12074	Galway	4.1 mi	$2,010
12859	Porter Corners	5.7 mi	$1,840
12833	Greenfield Center	7.8 mi	$1,660
12025	Broadalbin	8.0 mi	$1,540
12086	Hagaman	8.4 mi	$1,540

Questions

What is the Fair Market Rent for ZIP code 12850?

HUD's FY2027 Small Area Fair Market Rents for 12850 are $1,100 (studio), $1,280 (1 BR), $1,540 (2 BR), $1,840 (3 BR) and $2,030 (4 BR) a month.

What is the Section 8 payment standard in 12850?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12850 that range is $1,386 to $1,694 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12850?

The FY2026 income limits of the Albany-Schenectady-Troy, NY area apply: median family income $123,100, low-income (80%) limit $98,500 for a family of four.