FY2027 Small Area FMR · Hammond, NY
ZIP 13646 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13646 (Hammond, NY) is $1,270 a month, up 9.5% from FY2026. That is 13% below the Watertown-Fort Drum, NY area-wide FMR of $1,453.
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 13646 sits in the Watertown-Fort Drum, NY area
Of the 46 ZIP codes HUD lists for the area, 13646 has the 19th highest two-bedroom Small Area FMR. Watertown-Fort Drum, 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 $1,453 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,270 for this ZIP code instead.
ZIP code 13646 crosses more than one HUD area. HUD also lists it under St. Lawrence 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 | $880 | $792 – $968 | $1,012 | $810 |
| 1 bedroom | $970 | $873 – $1,067 | $1,111 | $880 |
| 2 bedrooms | $1,270 | $1,143 – $1,397 | $1,453 | $1,160 |
| 3 bedrooms | $1,720 | $1,548 – $1,892 | $1,995 | $1,570 |
| 4 bedrooms | $2,110 | $1,899 – $2,321 | $2,376 | $1,920 |
A household renting a two-bedroom home at the Small Area FMR of $1,270 needs about $50,800 a year to keep housing costs at 30% of income. The area median family income is $86,600 and the 80% low-income limit for four people is $71,900. ZIP code 13646 lies mainly in St. Lawrence County and Jefferson County. See the Watertown-Fort Drum, NY county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 13646?
HUD's FY2027 Small Area Fair Market Rents for 13646 are $880 (studio), $970 (1 BR), $1,270 (2 BR), $1,720 (3 BR) and $2,110 (4 BR) a month.
What is the Section 8 payment standard in 13646?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13646 that range is $1,143 to $1,397 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 13646?
The FY2026 income limits of the Watertown-Fort Drum, NY area apply: median family income $86,600, low-income (80%) limit $71,900 for a family of four.