FY2027 Small Area FMR · Saint Bonaventure, NY
ZIP 14778 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 14778 (Saint Bonaventure, NY) is $1,050 a month, up 1.0% from FY2026. That is 4% above the Cattaraugus County, NY area-wide FMR of $1,014.
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 14778 sits in the Cattaraugus County, NY area
Of the 41 ZIP codes HUD lists for the area, 14778 has the 15th highest two-bedroom Small Area FMR. Cattaraugus 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,050 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $760 | $684 – $836 | $742 | $800 |
| 1 bedroom | $820 | $738 – $902 | $794 | $810 |
| 2 bedrooms | $1,050 | $945 – $1,155 | $1,014 | $1,040 |
| 3 bedrooms | $1,320 | $1,188 – $1,452 | $1,274 | $1,270 |
| 4 bedrooms | $1,480 | $1,332 – $1,628 | $1,438 | $1,470 |
A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $78,200 and the 80% low-income limit for four people is $71,900. ZIP code 14778 lies mainly in Cattaraugus County. See the Cattaraugus 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 14778?
HUD's FY2027 Small Area Fair Market Rents for 14778 are $760 (studio), $820 (1 BR), $1,050 (2 BR), $1,320 (3 BR) and $1,480 (4 BR) a month.
What is the Section 8 payment standard in 14778?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 14778 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 14778?
The FY2026 income limits of the Cattaraugus County, NY area apply: median family income $78,200, low-income (80%) limit $71,900 for a family of four.