FY2027 Small Area FMR · Gaines, PA
ZIP 16921 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 16921 (Gaines, PA) is $1,230 a month, up 18.3% from FY2026. That is 21% above the Potter County, PA 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 16921 sits in the Potter County, PA area
Of the 15 ZIP codes HUD lists for the area, 16921 has the 2nd highest two-bedroom Small Area FMR. Potter County, PA 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 $1,230 for this ZIP code instead.
ZIP code 16921 crosses more than one HUD area. HUD also lists it under Tioga County, PA (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 | $870 | $783 – $957 | $770 | $720 |
| 1 bedroom | $960 | $864 – $1,056 | $775 | $810 |
| 2 bedrooms | $1,230 | $1,107 – $1,353 | $1,014 | $1,040 |
| 3 bedrooms | $1,560 | $1,404 – $1,716 | $1,293 | $1,340 |
| 4 bedrooms | $1,640 | $1,476 – $1,804 | $1,376 | $1,400 |
A household renting a two-bedroom home at the Small Area FMR of $1,230 needs about $49,200 a year to keep housing costs at 30% of income. The area median family income is $80,800 and the 80% low-income limit for four people is $68,950. ZIP code 16921 lies mainly in Tioga County and Potter County. See the Potter County, PA 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 16921?
HUD's FY2027 Small Area Fair Market Rents for 16921 are $870 (studio), $960 (1 BR), $1,230 (2 BR), $1,560 (3 BR) and $1,640 (4 BR) a month.
What is the Section 8 payment standard in 16921?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 16921 that range is $1,107 to $1,353 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 16921?
The FY2026 income limits of the Potter County, PA area apply: median family income $80,800, low-income (80%) limit $68,950 for a family of four.