FY2027 Small Area FMR · Windsor, NY

ZIP 13865 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 13865 (Windsor, NY) is $1,010 a month, down 5.6% from FY2026. That is 17% below the Binghamton, NY area-wide FMR of $1,219.

2-bedroom SAFMR$1,010per month ▼ 5.6%

Area-wide 2 BR FMR$1,219Binghamton, NY

Rank in the area47thof 52 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$720▼ 8.9%

1 BR$790▼ 7.1%

2 BR$1,010▼ 5.6%

3 BR$1,290▼ 6.5%

4 BR$1,480▼ 6.3%

FY2027 FY2026

Where 13865 sits in the Binghamton, NY area

Of the 52 ZIP codes HUD lists for the area, 13865 has the 47th highest two-bedroom Small Area FMR. Binghamton, 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 $1,219 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 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	$720	$648 – $792	$849	$790
1 bedroom	$790	$711 – $869	$954	$850
2 bedrooms	$1,010	$909 – $1,111	$1,219	$1,070
3 bedrooms	$1,290	$1,161 – $1,419	$1,535	$1,380
4 bedrooms	$1,480	$1,332 – $1,628	$1,769	$1,580

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $88,600 and the 80% low-income limit for four people is $71,900. ZIP code 13865 lies mainly in Broome County. See the Binghamton, NY metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
13826	Ouaquaga	4.7 mi	$1,010
18821	Great Bend	6.2 mi	$1,080
18847	Susquehanna	7.5 mi	$1,020
13795	Kirkwood	8.5 mi	$1,240
13754	Deposit	9.5 mi	$1,050
13813	Nineveh	9.6 mi	$1,020

Questions

What is the Fair Market Rent for ZIP code 13865?

HUD's FY2027 Small Area Fair Market Rents for 13865 are $720 (studio), $790 (1 BR), $1,010 (2 BR), $1,290 (3 BR) and $1,480 (4 BR) a month.

What is the Section 8 payment standard in 13865?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 13865 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 13865?

The FY2026 income limits of the Binghamton, NY area apply: median family income $88,600, low-income (80%) limit $71,900 for a family of four.