FY2027 Small Area FMR · Chemung, NY

ZIP 14825 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 14825 (Chemung, NY) is $1,160 a month, unchanged from FY2026. That is 14% below the Elmira, NY area-wide FMR of $1,348.

2-bedroom SAFMR$1,160per month ■ 0.0%

Area-wide 2 BR FMR$1,348Elmira, NY

Rank in the area22ndof 24 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,044

2 BR Small Area FMR$1,160

110% of SAFMR$1,276

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

Studio$860▼ 1.1%

1 BR$890■ 0.0%

2 BR$1,160■ 0.0%

3 BR$1,450▼ 1.4%

4 BR$1,550■ 0.0%

FY2027 FY2026

Where 14825 sits in the Elmira, NY area

Of the 24 ZIP codes HUD lists for the area, 14825 has the 22nd highest two-bedroom Small Area FMR. Elmira, 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 $1,348 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,160 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	$860	$774 – $946	$1,020	$870
1 bedroom	$890	$801 – $979	$1,030	$890
2 bedrooms	$1,160	$1,044 – $1,276	$1,348	$1,160
3 bedrooms	$1,450	$1,305 – $1,595	$1,643	$1,470
4 bedrooms	$1,550	$1,395 – $1,705	$1,793	$1,550

A household renting a two-bedroom home at the Small Area FMR of $1,160 needs about $46,400 a year to keep housing costs at 30% of income. The area median family income is $89,800 and the 80% low-income limit for four people is $71,900. ZIP code 14825 lies mainly in Chemung County. See the Elmira, NY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
14861	Lowman	4.1 mi	$1,420
14892	Waverly	4.6 mi	$1,190
14859	Lockwood	5.8 mi	$1,540
14901	Elmira	6.9 mi	$1,160
18840	Sayre	7.2 mi	$1,130
14894	Wellsburg	8.5 mi	$1,460

Questions

What is the Fair Market Rent for ZIP code 14825?

HUD's FY2027 Small Area Fair Market Rents for 14825 are $860 (studio), $890 (1 BR), $1,160 (2 BR), $1,450 (3 BR) and $1,550 (4 BR) a month.

What is the Section 8 payment standard in 14825?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 14825 that range is $1,044 to $1,276 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 14825?

The FY2026 income limits of the Elmira, NY area apply: median family income $89,800, low-income (80%) limit $71,900 for a family of four.