Watertown-Fort Drum, NY: 2-bedroom payment standards across 36 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Watertown-Fort Drum, NY MSA range from $1,160 to $1,740 for a 2-bedroom. The 90th-percentile ZIP code runs 1.26× the 10th — a gap of $300 a month — which ranks 186th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 36 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,293 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,160 to $1,460).
of the area's ZIP codes (9 of 36) sit above $1,293 — 110% of the area median.
Highest-rent ZIP codes in Watertown-Fort Drum, NY
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.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 13603 | $1,740 | $1,566–$1,914 | above 110% |
| 2 | 13602 | $1,660 | $1,494–$1,826 | above 110% |
| 3 | 13685 | $1,570 | $1,413–$1,727 | above 110% |
| 4 | 13637 | $1,500 | $1,350–$1,650 | above 110% |
| 5 | 13616 | $1,420 | $1,278–$1,562 | above 110% |
| 6 | 13631 | $1,410 | $1,269–$1,551 | above 110% |
| 7 | 13671 | $1,410 | $1,269–$1,551 | above 110% |
| 8 | 13692 | $1,410 | $1,269–$1,551 | above 110% |
| 9 | 13606 | $1,360 | $1,224–$1,496 | above 110% |
| 10 | 13622 | $1,280 | $1,152–$1,408 | 109% |
| 11 | 13643 | $1,260 | $1,134–$1,386 | 107% |
| 12 | 13083 | $1,230 | $1,107–$1,353 | 105% |
| 13 | 13632 | $1,230 | $1,107–$1,353 | 105% |
| 14 | 13145 | $1,190 | $1,071–$1,309 | 101% |
| 15 | 13661 | $1,190 | $1,071–$1,309 | 101% |
| 16 | 13673 | $1,190 | $1,071–$1,309 | 101% |
| 17 | 13628 | $1,180 | $1,062–$1,298 | 100% |
| 18 | 13693 | $1,180 | $1,062–$1,298 | 100% |
| 19 | 13624 | $1,170 | $1,053–$1,287 | 100% |
| 20 | 13634 | $1,170 | $1,053–$1,287 | 100% |
| 21 | 13659 | $1,170 | $1,053–$1,287 | 100% |
| 22 | 13605 | $1,160 | $1,044–$1,276 | 99% |
| 23 | 13607 | $1,160 | $1,044–$1,276 | 99% |
| 24 | 13611 | $1,160 | $1,044–$1,276 | 99% |
| 25 | 13612 | $1,160 | $1,044–$1,276 | 99% |
| 26 | 13615 | $1,160 | $1,044–$1,276 | 99% |
| 27 | 13618 | $1,160 | $1,044–$1,276 | 99% |
| 28 | 13636 | $1,160 | $1,044–$1,276 | 99% |
| 29 | 13638 | $1,160 | $1,044–$1,276 | 99% |
| 30 | 13640 | $1,160 | $1,044–$1,276 | 99% |
| 31 | 13641 | $1,160 | $1,044–$1,276 | 99% |
| 32 | 13650 | $1,160 | $1,044–$1,276 | 99% |
| 33 | 13651 | $1,160 | $1,044–$1,276 | 99% |
| 34 | 13656 | $1,160 | $1,044–$1,276 | 99% |
| 35 | 13674 | $1,160 | $1,044–$1,276 | 99% |
| 36 | 13675 | $1,160 | $1,044–$1,276 | 99% |
How Watertown-Fort Drum, NY compares
Its internal spread of 1.26× (p90 ÷ p10) ranks 186 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 1.12×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. 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.