FY2027 Small Area FMR · Hartwick, NY

ZIP 13348 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13348 (Hartwick, NY) is $1,200 a month, up 5.3% from FY2026. That is 3% below the Otsego County, NY area-wide FMR of $1,235.

2-bedroom SAFMR$1,200per month ▲ 5.3%

Area-wide 2 BR FMR$1,235Otsego County, NY

Rank in the area27thof 48 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,080

2 BR Small Area FMR$1,200

110% of SAFMR$1,320

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

Studio$840▲ 6.3%

1 BR$930▲ 3.3%

2 BR$1,200▲ 5.3%

3 BR$1,430▲ 4.4%

4 BR$1,610▲ 6.6%

FY2027 FY2026

Where 13348 sits in the Otsego County, NY area

Of the 48 ZIP codes HUD lists for the area, 13348 has the 27th highest two-bedroom Small Area FMR. Otsego 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 $1,235 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,200 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	$840	$756 – $924	$860	$790
1 bedroom	$930	$837 – $1,023	$961	$900
2 bedrooms	$1,200	$1,080 – $1,320	$1,235	$1,140
3 bedrooms	$1,430	$1,287 – $1,573	$1,472	$1,370
4 bedrooms	$1,610	$1,449 – $1,771	$1,653	$1,510

A household renting a two-bedroom home at the Small Area FMR of $1,200 needs about $48,000 a year to keep housing costs at 30% of income. The area median family income is $90,900 and the 80% low-income limit for four people is $72,700. ZIP code 13348 lies mainly in Otsego County. See the Otsego County, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
13315	Burlington Flats	4.5 mi	$1,280
13457	Schuyler Lake	4.6 mi	$1,160
13337	Fly Creek	4.8 mi	$1,410
13482	West Burlington	6.0 mi	$1,270
13810	Mount Vision	7.4 mi	$1,110
13342	Garrattsville	7.6 mi	$1,140

Questions

What is the Fair Market Rent for ZIP code 13348?

HUD's FY2027 Small Area Fair Market Rents for 13348 are $840 (studio), $930 (1 BR), $1,200 (2 BR), $1,430 (3 BR) and $1,610 (4 BR) a month.

What is the Section 8 payment standard in 13348?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13348 that range is $1,080 to $1,320 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13348?

The FY2026 income limits of the Otsego County, NY area apply: median family income $90,900, low-income (80%) limit $72,700 for a family of four.