FY2027 Small Area FMR · Peru, NY
ZIP 12972 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 12972 (Peru, NY) is $1,290 a month, down 7.2% from FY2026. That is 7% above the Clinton County, NY area-wide FMR of $1,205.
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 12972 sits in the Clinton County, NY area
Of the 29 ZIP codes HUD lists for the area, 12972 has the 5th highest two-bedroom Small Area FMR. Clinton 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 $1,205 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,290 for this ZIP code instead.
ZIP code 12972 crosses more than one HUD area. HUD also lists it under Essex County, NY (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,000 | $900 – $1,100 | $936 | $1,090 |
| 1 bedroom | $1,010 | $909 – $1,111 | $942 | $1,090 |
| 2 bedrooms | $1,290 | $1,161 – $1,419 | $1,205 | $1,390 |
| 3 bedrooms | $1,540 | $1,386 – $1,694 | $1,436 | $1,670 |
| 4 bedrooms | $1,750 | $1,575 – $1,925 | $1,630 | $1,840 |
A household renting a two-bedroom home at the Small Area FMR of $1,290 needs about $51,600 a year to keep housing costs at 30% of income. The area median family income is $95,400 and the 80% low-income limit for four people is $76,300. ZIP code 12972 lies mainly in Clinton County. See the Clinton 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 12972?
HUD's FY2027 Small Area Fair Market Rents for 12972 are $1,000 (studio), $1,010 (1 BR), $1,290 (2 BR), $1,540 (3 BR) and $1,750 (4 BR) a month.
What is the Section 8 payment standard in 12972?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 12972 that range is $1,161 to $1,419 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 12972?
The FY2026 income limits of the Clinton County, NY area apply: median family income $95,400, low-income (80%) limit $76,300 for a family of four.