FY2027 Small Area FMR · Oswego, NY
ZIP 13126 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13126 (Oswego, NY) is $1,440 a month, up 5.9% from FY2026. That is 4% below the Syracuse, NY area-wide FMR of $1,493.
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 13126 sits in the Syracuse, NY area
Of the 121 ZIP codes HUD lists for the area, 13126 has the 58th highest two-bedroom Small Area FMR. Syracuse, 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 $1,493 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,440 for this ZIP code instead.
ZIP code 13126 crosses more than one HUD area. HUD also lists it under Cayuga 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 | $1,010 | $909 – $1,111 | $1,050 | $970 |
| 1 bedroom | $1,150 | $1,035 – $1,265 | $1,196 | $1,100 |
| 2 bedrooms | $1,440 | $1,296 – $1,584 | $1,493 | $1,360 |
| 3 bedrooms | $1,740 | $1,566 – $1,914 | $1,808 | $1,650 |
| 4 bedrooms | $1,890 | $1,701 – $2,079 | $1,962 | $1,810 |
A household renting a two-bedroom home at the Small Area FMR of $1,440 needs about $57,600 a year to keep housing costs at 30% of income. The area median family income is $106,800 and the 80% low-income limit for four people is $85,450. ZIP code 13126 lies mainly in Oswego County and Cayuga County. See the Syracuse, 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 13126?
HUD's FY2027 Small Area Fair Market Rents for 13126 are $1,010 (studio), $1,150 (1 BR), $1,440 (2 BR), $1,740 (3 BR) and $1,890 (4 BR) a month.
What is the Section 8 payment standard in 13126?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13126 that range is $1,296 to $1,584 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 13126?
The FY2026 income limits of the Syracuse, NY area apply: median family income $106,800, low-income (80%) limit $85,450 for a family of four.