FY2027 Small Area FMR · Cowlesville, NY
ZIP 14037 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 14037 (Cowlesville, NY) is $1,190 a month, up 6.2% from FY2026. That is 16% below the Buffalo-Cheektowaga, NY area-wide FMR of $1,423.
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 14037 sits in the Buffalo-Cheektowaga, NY area
Of the 114 ZIP codes HUD lists for the area, 14037 has the 91st highest two-bedroom Small Area FMR. Buffalo-Cheektowaga, NY is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,071 and $1,309 for two bedrooms.
ZIP code 14037 crosses more than one HUD area. HUD also lists it under Wyoming 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 | $990 | $891 – $1,089 | $1,178 | $940 |
| 1 bedroom | $1,010 | $909 – $1,111 | $1,203 | $960 |
| 2 bedrooms | $1,190 | $1,071 – $1,309 | $1,423 | $1,120 |
| 3 bedrooms | $1,480 | $1,332 – $1,628 | $1,732 | $1,420 |
| 4 bedrooms | $1,750 | $1,575 – $1,925 | $1,977 | $1,640 |
A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 a year to keep housing costs at 30% of income. The area median family income is $101,500 and the 80% low-income limit for four people is $81,200. ZIP code 14037 lies mainly in Wyoming County and Erie County. See the Buffalo-Cheektowaga, NY metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 14037?
HUD's FY2027 Small Area Fair Market Rents for 14037 are $990 (studio), $1,010 (1 BR), $1,190 (2 BR), $1,480 (3 BR) and $1,750 (4 BR) a month.
What is the Section 8 payment standard in 14037?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 14037 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 14037?
The FY2026 income limits of the Buffalo-Cheektowaga, NY area apply: median family income $101,500, low-income (80%) limit $81,200 for a family of four.