FY2027 Small Area FMR · Rome, NY

ZIP 13440 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13440 (Rome, NY) is $1,250 a month, up 5.0% from FY2026. That is 3% above the Utica-Rome, NY area-wide FMR of $1,210.

2-bedroom SAFMR$1,250per month ▲ 5.0%

Area-wide 2 BR FMR$1,210Utica-Rome, NY

Rank in the area27thof 84 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,125

2 BR Small Area FMR$1,250

110% of SAFMR$1,375

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

Studio$890▼ 2.2%

1 BR$980▲ 4.3%

2 BR$1,250▲ 5.0%

3 BR$1,490▲ 4.2%

4 BR$1,690▲ 2.4%

FY2027 FY2026

Where 13440 sits in the Utica-Rome, NY area

Of the 84 ZIP codes HUD lists for the area, 13440 has the 27th 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 $1,250 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	$890	$801 – $979	$857	$910
1 bedroom	$980	$882 – $1,078	$946	$940
2 bedrooms	$1,250	$1,125 – $1,375	$1,210	$1,190
3 bedrooms	$1,490	$1,341 – $1,639	$1,442	$1,430
4 bedrooms	$1,690	$1,521 – $1,859	$1,636	$1,650

A household renting a two-bedroom home at the Small Area FMR of $1,250 needs about $50,000 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 13440 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

ZIP	Place	Distance	2 BR SAFMR
13441	Rome	2.8 mi	$1,250
13424	Oriskany	6.5 mi	$1,080
13490	Westmoreland	7.5 mi	$1,240
13478	Verona	7.8 mi	$1,130
13363	Lee Center	7.9 mi	$1,430
13469	Stittville	8.0 mi	$1,450

Questions

What is the Fair Market Rent for ZIP code 13440?

HUD's FY2027 Small Area Fair Market Rents for 13440 are $890 (studio), $980 (1 BR), $1,250 (2 BR), $1,490 (3 BR) and $1,690 (4 BR) a month.

What is the Section 8 payment standard in 13440?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13440 that range is $1,125 to $1,375 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13440?

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.