FY2027 Small Area FMR · Sackets Harbor, NY

ZIP 13685 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13685 (Sackets Harbor, NY) is $1,600 a month, up 1.9% from FY2026. That is 10% above the Watertown-Fort Drum, NY area-wide FMR of $1,453.

2-bedroom SAFMR$1,600per month ▲ 1.9%

Area-wide 2 BR FMR$1,453Watertown-Fort Drum, NY

Rank in the area2ndof 46 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,440

2 BR Small Area FMR$1,600

110% of SAFMR$1,760

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

Studio$1,110▲ 2.8%

1 BR$1,220▲ 1.7%

2 BR$1,600▲ 1.9%

3 BR$2,200▲ 3.3%

4 BR$2,620■ 0.0%

FY2027 FY2026

Where 13685 sits in the Watertown-Fort Drum, NY area

Of the 46 ZIP codes HUD lists for the area, 13685 has the 2nd 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 $1,600 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	$1,110	$999 – $1,221	$1,012	$1,080
1 bedroom	$1,220	$1,098 – $1,342	$1,111	$1,200
2 bedrooms	$1,600	$1,440 – $1,760	$1,453	$1,570
3 bedrooms	$2,200	$1,980 – $2,420	$1,995	$2,130
4 bedrooms	$2,620	$2,358 – $2,882	$2,376	$2,620

A household renting a two-bedroom home at the Small Area FMR of $1,600 needs about $64,000 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 13685 lies mainly in Jefferson County. See the Watertown-Fort Drum, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
13606	Adams Center	5.1 mi	$1,400
13651	Henderson Harbor	6.1 mi	$1,270
13634	Dexter	6.2 mi	$1,270
13605	Adams	8.3 mi	$1,270
13693	Three Mile Bay	9.0 mi	$1,270
13601	Watertown	9.4 mi	$1,360

Questions

What is the Fair Market Rent for ZIP code 13685?

HUD's FY2027 Small Area Fair Market Rents for 13685 are $1,110 (studio), $1,220 (1 BR), $1,600 (2 BR), $2,200 (3 BR) and $2,620 (4 BR) a month.

What is the Section 8 payment standard in 13685?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13685 that range is $1,440 to $1,760 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13685?

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.