FY2027 Small Area FMR · Harford, NY

ZIP 13784 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13784 (Harford, NY) is $1,350 a month, down 10.0% from FY2026. That is 15% above the Cortland County, NY area-wide FMR of $1,171.

2-bedroom SAFMR$1,350per month ▼ 10.0%

Area-wide 2 BR FMR$1,171Cortland County, NY

Rank in the area7thof 19 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,215

2 BR Small Area FMR$1,350

110% of SAFMR$1,485

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

Studio$1,080▼ 9.2%

1 BR$1,080▼ 10.0%

2 BR$1,350▼ 10.0%

3 BR$1,710▼ 9.5%

4 BR$2,270▼ 9.9%

FY2027 FY2026

Where 13784 sits in the Cortland County, NY area

Of the 19 ZIP codes HUD lists for the area, 13784 has the 7th highest two-bedroom Small Area FMR. Cortland 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 $1,171 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,350 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	$1,080	$972 – $1,188	$934	$1,190
1 bedroom	$1,080	$972 – $1,188	$940	$1,200
2 bedrooms	$1,350	$1,215 – $1,485	$1,171	$1,500
3 bedrooms	$1,710	$1,539 – $1,881	$1,473	$1,890
4 bedrooms	$2,270	$2,043 – $2,497	$1,957	$2,520

A household renting a two-bedroom home at the Small Area FMR of $1,350 needs about $54,000 a year to keep housing costs at 30% of income. The area median family income is $92,900 and the 80% low-income limit for four people is $74,300. ZIP code 13784 lies mainly in Cortland County. See the Cortland County, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
13835	Richford	3.7 mi	$1,220
13053	Dryden	4.3 mi	$1,580
13736	Berkshire	7.2 mi	$1,580
14881	Slaterville Springs	7.3 mi	$1,860
14817	Brooktondale	7.5 mi	$1,830
13803	Marathon	8.1 mi	$1,100

Questions

What is the Fair Market Rent for ZIP code 13784?

HUD's FY2027 Small Area Fair Market Rents for 13784 are $1,080 (studio), $1,080 (1 BR), $1,350 (2 BR), $1,710 (3 BR) and $2,270 (4 BR) a month.

What is the Section 8 payment standard in 13784?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13784 that range is $1,215 to $1,485 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13784?

The FY2026 income limits of the Cortland County, NY area apply: median family income $92,900, low-income (80%) limit $74,300 for a family of four.