Albany-Schenectady-Troy, NY: 2-bedroom payment standards across 113 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Albany-Schenectady-Troy, NY MSA range from $1,340 to $2,300 for a 2-bedroom. The 90th-percentile ZIP code runs 1.46× the 10th — a gap of $628 a month — which ranks 76th widest of the 247 HUD metro areas we compare.

ZIP-level standards are optional here. Albany-Schenectady-Troy, NY is not one of HUD's 65 designated Small Area FMR areas, so a housing authority may set one payment standard for the whole area, or adopt ZIP-level exception standards of up to 110% of a ZIP's published SAFMR. Where a single area-wide standard is used, the 24 ZIP codes below marked "above 110%" sit above the highest ceiling that basic policy reaches. Confirm what applies with the PHA that issued the voucher.

$1,690

median 2-bedroom SAFMR across the area's 113 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,859 at 110%.

$628

monthly gap between the 90th- and 10th-percentile ZIP code ($1,362 to $1,990).

21.2%

of the area's ZIP codes (24 of 113) sit above $1,859 — 110% of the area median.

Highest-rent ZIP codes in Albany-Schenectady-Troy, NY

2 BR Small Area FMR area median across all 113 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.

Filter by ZIP code

Showing 113 of 113 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	12866	$2,300	$2,070–$2,530	above 110%
2	12151	$2,290	$2,061–$2,519	above 110%
3	12158	$2,270	$2,043–$2,497	above 110%
4	12161	$2,270	$2,043–$2,497	above 110%
5	12061	$2,260	$2,034–$2,486	above 110%
6	12211	$2,250	$2,025–$2,475	above 110%
7	12054	$2,190	$1,971–$2,409	above 110%
8	12020	$2,110	$1,899–$2,321	above 110%
9	12084	$2,100	$1,890–$2,310	above 110%
10	12045	$2,050	$1,845–$2,255	above 110%
11	12074	$2,000	$1,800–$2,200	above 110%
12	12110	$1,990	$1,791–$2,189	above 110%
13	12159	$1,990	$1,791–$2,189	above 110%
14	12027	$1,970	$1,773–$2,167	above 110%
15	12207	$1,970	$1,773–$2,167	above 110%
16	12077	$1,940	$1,746–$2,134	above 110%
17	12144	$1,940	$1,746–$2,134	above 110%
18	12018	$1,930	$1,737–$2,123	above 110%
19	12309	$1,910	$1,719–$2,101	above 110%
20	12203	$1,900	$1,710–$2,090	above 110%
21	12205	$1,890	$1,701–$2,079	above 110%
22	12052	$1,880	$1,692–$2,068	above 110%
23	12082	$1,880	$1,692–$2,068	above 110%
24	12859	$1,870	$1,683–$2,057	above 110%
25	12222	$1,850	$1,665–$2,035	109%
26	12065	$1,840	$1,656–$2,024	109%
27	12033	$1,830	$1,647–$2,013	108%
28	12047	$1,820	$1,638–$2,002	108%
29	12153	$1,820	$1,638–$2,002	108%
30	12063	$1,800	$1,620–$1,980	107%
31	12170	$1,790	$1,611–$1,969	106%
32	12831	$1,790	$1,611–$1,969	106%
33	12204	$1,740	$1,566–$1,914	103%
34	12007	$1,730	$1,557–$1,903	102%
35	12055	$1,730	$1,557–$1,903	102%
36	12107	$1,730	$1,557–$1,903	102%
37	12128	$1,730	$1,557–$1,903	102%
38	12147	$1,730	$1,557–$1,903	102%
39	12201	$1,730	$1,557–$1,903	102%
40	12212	$1,730	$1,557–$1,903	102%
41	12220	$1,730	$1,557–$1,903	102%
42	12223	$1,730	$1,557–$1,903	102%
43	12226	$1,730	$1,557–$1,903	102%
44	12227	$1,730	$1,557–$1,903	102%
45	12236	$1,730	$1,557–$1,903	102%
46	12237	$1,730	$1,557–$1,903	102%
47	12247	$1,730	$1,557–$1,903	102%
48	12260	$1,730	$1,557–$1,903	102%
49	12288	$1,730	$1,557–$1,903	102%
50	12208	$1,720	$1,548–$1,892	102%
51	12009	$1,710	$1,539–$1,881	101%
52	12022	$1,710	$1,539–$1,881	101%
53	12056	$1,710	$1,539–$1,881	101%
54	12169	$1,710	$1,539–$1,881	101%
55	12019	$1,700	$1,530–$1,870	101%
56	12040	$1,690	$1,521–$1,859	100%
57	12206	$1,690	$1,521–$1,859	100%
58	12302	$1,690	$1,521–$1,859	100%
59	12008	$1,680	$1,512–$1,848	99%
60	12180	$1,680	$1,512–$1,848	99%
61	12089	$1,660	$1,494–$1,826	98%
62	12133	$1,660	$1,494–$1,826	98%
63	12150	$1,660	$1,494–$1,826	98%
64	12181	$1,660	$1,494–$1,826	98%
65	12138	$1,650	$1,485–$1,815	98%
66	12188	$1,630	$1,467–$1,793	96%
67	12306	$1,610	$1,449–$1,771	95%
68	12041	$1,590	$1,431–$1,749	94%
69	12141	$1,590	$1,431–$1,749	94%
70	12186	$1,590	$1,431–$1,749	94%
71	12301	$1,590	$1,431–$1,749	94%
72	12345	$1,590	$1,431–$1,749	94%
73	12209	$1,580	$1,422–$1,738	93%
74	12210	$1,580	$1,422–$1,738	93%
75	12308	$1,570	$1,413–$1,727	93%
76	12803	$1,570	$1,413–$1,727	93%
77	12833	$1,560	$1,404–$1,716	92%
78	12850	$1,560	$1,404–$1,716	92%
79	12198	$1,550	$1,395–$1,705	92%
80	12307	$1,550	$1,395–$1,705	92%
81	12023	$1,540	$1,386–$1,694	91%
82	12303	$1,530	$1,377–$1,683	91%
83	12118	$1,520	$1,368–$1,672	90%
84	12304	$1,520	$1,368–$1,672	90%
85	12863	$1,520	$1,368–$1,672	90%
86	12076	$1,510	$1,359–$1,661	89%
87	12059	$1,500	$1,350–$1,650	89%
88	12189	$1,500	$1,350–$1,650	89%
89	12871	$1,500	$1,350–$1,650	89%
90	12085	$1,490	$1,341–$1,639	88%
91	12067	$1,480	$1,332–$1,628	88%
92	12121	$1,470	$1,323–$1,617	87%
93	12182	$1,450	$1,305–$1,595	86%
94	12196	$1,450	$1,305–$1,595	86%
95	12092	$1,440	$1,296–$1,584	85%
96	12305	$1,440	$1,296–$1,584	85%
97	12183	$1,420	$1,278–$1,562	84%
98	12202	$1,420	$1,278–$1,562	84%
99	12035	$1,410	$1,269–$1,551	83%
100	12193	$1,370	$1,233–$1,507	81%
101	12822	$1,370	$1,233–$1,507	81%
102	12148	$1,360	$1,224–$1,496	80%
103	12031	$1,340	$1,206–$1,474	79%
104	12071	$1,340	$1,206–$1,474	79%
105	12073	$1,340	$1,206–$1,474	79%
106	12122	$1,340	$1,206–$1,474	79%
107	12131	$1,340	$1,206–$1,474	79%
108	12140	$1,340	$1,206–$1,474	79%
109	12157	$1,340	$1,206–$1,474	79%
110	12175	$1,340	$1,206–$1,474	79%
111	12187	$1,340	$1,206–$1,474	79%
112	12194	$1,340	$1,206–$1,474	79%
113	12884	$1,340	$1,206–$1,474	79%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Albany-Schenectady-Troy, NY compares

Its internal spread of 1.46× (p90 ÷ p10) ranks 76 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.20×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →