FY2027 Small Area FMR · Moriah, NY

ZIP 12960 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12960 (Moriah, NY) is $1,170 a month, down 1.7% from FY2026. That is 0% equal to the Essex County, NY area-wide FMR of $1,171.

2-bedroom SAFMR$1,170per month ▼ 1.7%

Area-wide 2 BR FMR$1,171Essex County, NY

Rank in the area22ndof 39 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,053

2 BR Small Area FMR$1,170

110% of SAFMR$1,287

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

Studio$860▼ 4.4%

1 BR$890▼ 2.2%

2 BR$1,170▼ 1.7%

3 BR$1,420▼ 2.7%

4 BR$1,630▼ 1.2%

FY2027 FY2026

Where 12960 sits in the Essex County, NY area

Of the 39 ZIP codes HUD lists for the area, 12960 has the 22nd highest two-bedroom Small Area FMR. Essex 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 $1,171 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,170 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	$860	$774 – $946	$858	$900
1 bedroom	$890	$801 – $979	$895	$910
2 bedrooms	$1,170	$1,053 – $1,287	$1,171	$1,190
3 bedrooms	$1,420	$1,278 – $1,562	$1,425	$1,460
4 bedrooms	$1,630	$1,467 – $1,793	$1,631	$1,650

A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 a year to keep housing costs at 30% of income. The area median family income is $94,200 and the 80% low-income limit for four people is $75,350. ZIP code 12960 lies mainly in Essex County. See the Essex County, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
12961	Moriah Center	3.1 mi	$1,170
12928	Crown Point	3.6 mi	$1,170
12998	Witherbee	4.3 mi	$1,170
12974	Port Henry	6.2 mi	$1,110
12956	Mineville	7.2 mi	$1,170
12964	New Russia	8.1 mi	$1,170

Questions

What is the Fair Market Rent for ZIP code 12960?

HUD's FY2027 Small Area Fair Market Rents for 12960 are $860 (studio), $890 (1 BR), $1,170 (2 BR), $1,420 (3 BR) and $1,630 (4 BR) a month.

What is the Section 8 payment standard in 12960?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12960 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 12960?

The FY2026 income limits of the Essex County, NY area apply: median family income $94,200, low-income (80%) limit $75,350 for a family of four.