FY2027 Small Area FMR · Oneonta, NY
ZIP 13820 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13820 (Oneonta, NY) is $1,270 a month, up 0.8% from FY2026. That is 25% above the Delaware County, NY area-wide FMR of $1,017.
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 13820 sits in the Delaware County, NY area
Of the 47 ZIP codes HUD lists for the area, 13820 has the 16th highest two-bedroom Small Area FMR. Delaware 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 $1,017 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,270 for this ZIP code instead.
ZIP code 13820 crosses more than one HUD area. HUD also lists it under Otsego 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 | $890 | $801 – $979 | $732 | $880 |
| 1 bedroom | $990 | $891 – $1,089 | $858 | $1,000 |
| 2 bedrooms | $1,270 | $1,143 – $1,397 | $1,017 | $1,260 |
| 3 bedrooms | $1,530 | $1,377 – $1,683 | $1,408 | $1,530 |
| 4 bedrooms | $1,710 | $1,539 – $1,881 | $1,442 | $1,680 |
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 $83,200 and the 80% low-income limit for four people is $71,900. ZIP code 13820 lies mainly in Otsego County and Delaware County. See the Delaware County, 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 13820?
HUD's FY2027 Small Area Fair Market Rents for 13820 are $890 (studio), $990 (1 BR), $1,270 (2 BR), $1,530 (3 BR) and $1,710 (4 BR) a month.
What is the Section 8 payment standard in 13820?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13820 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 13820?
The FY2026 income limits of the Delaware County, NY area apply: median family income $83,200, low-income (80%) limit $71,900 for a family of four.