FY2027 Small Area FMR · North Bay, NY
ZIP 13123 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13123 (North Bay, NY) is $1,400 a month, down 1.4% from FY2026. That is 16% above the Utica-Rome, NY area-wide FMR of $1,210.
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 13123 sits in the Utica-Rome, NY area
Of the 84 ZIP codes HUD lists for the area, 13123 has the 10th highest two-bedroom Small Area FMR. Utica-Rome, 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 $1,210 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,400 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $990 | $891 – $1,089 | $857 | $1,070 |
| 1 bedroom | $1,100 | $990 – $1,210 | $946 | $1,130 |
| 2 bedrooms | $1,400 | $1,260 – $1,540 | $1,210 | $1,420 |
| 3 bedrooms | $1,670 | $1,503 – $1,837 | $1,442 | $1,710 |
| 4 bedrooms | $1,870 | $1,683 – $2,057 | $1,636 | $1,950 |
A household renting a two-bedroom home at the Small Area FMR of $1,400 needs about $56,000 a year to keep housing costs at 30% of income. The area median family income is $98,500 and the 80% low-income limit for four people is $78,300. ZIP code 13123 lies mainly in Oneida County. See the Utica-Rome, NY metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 13123?
HUD's FY2027 Small Area Fair Market Rents for 13123 are $990 (studio), $1,100 (1 BR), $1,400 (2 BR), $1,670 (3 BR) and $1,870 (4 BR) a month.
What is the Section 8 payment standard in 13123?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13123 that range is $1,260 to $1,540 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 13123?
The FY2026 income limits of the Utica-Rome, NY area apply: median family income $98,500, low-income (80%) limit $78,300 for a family of four.