FY2027 Small Area FMR · Westmoreland, NY

ZIP 13490 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13490 (Westmoreland, NY) is $1,240 a month, up 3.3% from FY2026. That is 2% above the Utica-Rome, NY area-wide FMR of $1,210.

2-bedroom SAFMR$1,240per month ▲ 3.3%

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

Rank in the area30thof 84 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,116

2 BR Small Area FMR$1,240

110% of SAFMR$1,364

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

Studio$880▼ 4.3%

1 BR$970▲ 2.1%

2 BR$1,240▲ 3.3%

3 BR$1,470▲ 2.1%

4 BR$1,670■ 0.0%

FY2027 FY2026

Where 13490 sits in the Utica-Rome, NY area

Of the 84 ZIP codes HUD lists for the area, 13490 has the 30th 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 $1,240 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	$880	$792 – $968	$857	$920
1 bedroom	$970	$873 – $1,067	$946	$950
2 bedrooms	$1,240	$1,116 – $1,364	$1,210	$1,200
3 bedrooms	$1,470	$1,323 – $1,617	$1,442	$1,440
4 bedrooms	$1,670	$1,503 – $1,837	$1,636	$1,670

A household renting a two-bedroom home at the Small Area FMR of $1,240 needs about $49,600 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 13490 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
13321	Clark Mills	3.1 mi	$1,340
13424	Oriskany	4.3 mi	$1,080
13476	Vernon	4.5 mi	$1,160
13492	Whitesboro	4.5 mi	$1,240
13323	Clinton	5.4 mi	$1,440
13417	New York Mills	6.7 mi	$1,110

Questions

What is the Fair Market Rent for ZIP code 13490?

HUD's FY2027 Small Area Fair Market Rents for 13490 are $880 (studio), $970 (1 BR), $1,240 (2 BR), $1,470 (3 BR) and $1,670 (4 BR) a month.

What is the Section 8 payment standard in 13490?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13490 that range is $1,116 to $1,364 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13490?

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.