12307
ZIPSAFMR
Schenectady County, NY
BRFMR
Eff. Rent
0 BR$1,110$1,110
1 BR$1,290$1,290
2 BR$1,550$1,550
3 BR$1,860$1,760
4 BR$2,050$1,900
5 BR$2,358
6 BR$2,711
7 BR$3,118
8 BR$3,585

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
0.93ratio
FMR$1,110
Market$1,200
vs market-$90

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.93
1 BR
1 BR
1.00ratio
FMR$1,290
Market$1,290
vs market+$0

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.00
2 BR
2 BR
0.94ratio
FMR$1,550
Market$1,650
vs market-$100

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.94
3 BR
3 BR
1.06ratio
FMR$1,860
Market$1,760
vs market+$100

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.06
4 BR
4 BR
1.08ratio
FMR$2,050
Market$1,900
vs market+$150

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.08
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$168,413
Rent
$1,550
Down payment
$33,683
Loan
$134,730
Mortgage
$852
Expenses
$498
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 12307 (NY) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.