Renting · Section 8
Data from November 2026
Renting in Albany County, New York
Albany County has a HUD fair market rent of $1,711 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,313 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $32.90 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,711
- a month, HUD, Fiscal year 2027
- 29% less than in New York
- Typical rent
- $1,313
- a month, Census, Average 2020–2024
- 19% less than in New York
- Wage needed
- $32.90
- an hour, 2 bedrooms
- Or $68,440 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 47%
- spend 30% or more of income on rent
- 10% less than in New York
Only here
Renting in Albany County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Albany County has the highest typical rent in its area: $1,313, more than any of its 6 neighboring counties; next is Columbia County ($1,260).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Albany County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Albany County was $1,697 a month in September 2026: 4.7% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,238 | $23.81 | $49,520 |
| 1 bedroom | $1,425 | $27.40 | $57,000 |
| 2 bedrooms | $1,711 | $32.90 | $68,440 |
| 3 bedrooms | $2,039 | $39.21 | $81,560 |
| 4 bedrooms | $2,249 | $43.25 | $89,960 |
HUD area: Albany-Schenectady-Troy, NY MSA. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 44 ZIP codes in Albany County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,540 in 12041 to $2,570 in 12222. 21 ZIP codes are above the county's fair market rent ($1,711).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 12007 | Albany-Schenectady-Troy, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
|---|---|---|---|---|---|---|
| 12009 | Albany-Schenectady-Troy, NY | $1,230 | $1,420 | $1,700 | $2,030 | $2,230 |
| 12023 | Albany-Schenectady-Troy, NY | $1,190 | $1,370 | $1,650 | $1,970 | $2,170 |
| 12041 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12045 | Albany-Schenectady-Troy, NY | $1,420 | $1,640 | $1,960 | $2,340 | $2,590 |
| 12046 | Albany-Schenectady-Troy, NY | $1,110 | $1,280 | $1,540 | $1,850 | $2,050 |
| 12046 | Greene County, NY | $1,110 | $1,280 | $1,540 | $1,850 | $2,050 |
| 12047 | Albany-Schenectady-Troy, NY | $1,270 | $1,470 | $1,760 | $2,100 | $2,310 |
| 12054 | Albany-Schenectady-Troy, NY | $1,640 | $1,890 | $2,270 | $2,700 | $2,980 |
| 12059 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12067 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12077 | Albany-Schenectady-Troy, NY | $1,430 | $1,650 | $1,980 | $2,360 | $2,600 |
| 12084 | Albany-Schenectady-Troy, NY | $1,530 | $1,760 | $2,110 | $2,510 | $2,770 |
| 12085 | Albany-Schenectady-Troy, NY | $1,200 | $1,380 | $1,660 | $1,980 | $2,180 |
| 12110 | Albany-Schenectady-Troy, NY | $1,420 | $1,640 | $1,970 | $2,350 | $2,590 |
| 12120 | Albany-Schenectady-Troy, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
| 12120 | Greene County, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
| 12143 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12143 | Greene County, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12147 | Albany-Schenectady-Troy, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
| 12158 | Albany-Schenectady-Troy, NY | $1,620 | $1,870 | $2,240 | $2,670 | $2,940 |
| 12159 | Albany-Schenectady-Troy, NY | $1,450 | $1,670 | $2,010 | $2,390 | $2,640 |
| 12161 | Albany-Schenectady-Troy, NY | $1,620 | $1,870 | $2,240 | $2,670 | $2,940 |
| 12183 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12186 | Albany-Schenectady-Troy, NY | $1,130 | $1,300 | $1,560 | $1,860 | $2,050 |
| 12189 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12193 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12202 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12203 | Albany-Schenectady-Troy, NY | $1,370 | $1,570 | $1,890 | $2,250 | $2,480 |
| 12204 | Albany-Schenectady-Troy, NY | $1,270 | $1,470 | $1,760 | $2,100 | $2,310 |
| 12205 | Albany-Schenectady-Troy, NY | $1,370 | $1,580 | $1,900 | $2,260 | $2,500 |
| 12206 | Albany-Schenectady-Troy, NY | $1,230 | $1,420 | $1,700 | $2,030 | $2,230 |
| 12207 | Albany-Schenectady-Troy, NY | $1,420 | $1,640 | $1,970 | $2,350 | $2,590 |
| 12208 | Albany-Schenectady-Troy, NY | $1,250 | $1,440 | $1,730 | $2,060 | $2,270 |
| 12209 | Albany-Schenectady-Troy, NY | $1,140 | $1,310 | $1,570 | $1,870 | $2,060 |
| 12210 | Albany-Schenectady-Troy, NY | $1,120 | $1,290 | $1,550 | $1,850 | $2,040 |
| 12211 | Albany-Schenectady-Troy, NY | $1,680 | $1,930 | $2,320 | $2,760 | $3,050 |
| 12222 | Albany-Schenectady-Troy, NY | $1,860 | $2,140 | $2,570 | $3,060 | $3,380 |
| 12226 | Albany-Schenectady-Troy, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
| 12303 | Albany-Schenectady-Troy, NY | $1,110 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12460 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,900 | $2,180 |
| 12460 | Greene County, NY | $1,100 | $1,280 | $1,540 | $1,900 | $2,180 |
| 12469 | Albany-Schenectady-Troy, NY | $1,150 | $1,320 | $1,590 | $1,920 | $2,150 |
| 12469 | Greene County, NY | $1,150 | $1,320 | $1,590 | $1,920 | $2,150 |
- 12007 · Albany-Schenectady-Troy, NY $1,740$2,070
- 12009 · Albany-Schenectady-Troy, NY $1,700$2,030
- 12023 · Albany-Schenectady-Troy, NY $1,650$1,970
- 12041 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12045 · Albany-Schenectady-Troy, NY $1,960$2,340
- 12046 · Albany-Schenectady-Troy, NY $1,540$1,850
- 12046 · Greene County, NY $1,540$1,850
- 12047 · Albany-Schenectady-Troy, NY $1,760$2,100
- 12054 · Albany-Schenectady-Troy, NY $2,270$2,700
- 12059 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12067 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12077 · Albany-Schenectady-Troy, NY $1,980$2,360
- 12084 · Albany-Schenectady-Troy, NY $2,110$2,510
- 12085 · Albany-Schenectady-Troy, NY $1,660$1,980
- 12110 · Albany-Schenectady-Troy, NY $1,970$2,350
- 12120 · Albany-Schenectady-Troy, NY $1,740$2,070
- 12120 · Greene County, NY $1,740$2,070
- 12143 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12143 · Greene County, NY $1,540$1,840
- 12147 · Albany-Schenectady-Troy, NY $1,740$2,070
- 12158 · Albany-Schenectady-Troy, NY $2,240$2,670
- 12159 · Albany-Schenectady-Troy, NY $2,010$2,390
- 12161 · Albany-Schenectady-Troy, NY $2,240$2,670
- 12183 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12186 · Albany-Schenectady-Troy, NY $1,560$1,860
- 12189 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12193 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12202 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12203 · Albany-Schenectady-Troy, NY $1,890$2,250
- 12204 · Albany-Schenectady-Troy, NY $1,760$2,100
- 12205 · Albany-Schenectady-Troy, NY $1,900$2,260
- 12206 · Albany-Schenectady-Troy, NY $1,700$2,030
- 12207 · Albany-Schenectady-Troy, NY $1,970$2,350
- 12208 · Albany-Schenectady-Troy, NY $1,730$2,060
- 12209 · Albany-Schenectady-Troy, NY $1,570$1,870
- 12210 · Albany-Schenectady-Troy, NY $1,550$1,850
- 12211 · Albany-Schenectady-Troy, NY $2,320$2,760
- 12222 · Albany-Schenectady-Troy, NY $2,570$3,060
- 12226 · Albany-Schenectady-Troy, NY $1,740$2,070
- 12303 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12460 · Albany-Schenectady-Troy, NY $1,540$1,900
- 12460 · Greene County, NY $1,540$1,900
- 12469 · Albany-Schenectady-Troy, NY $1,590$1,920
- 12469 · Greene County, NY $1,590$1,920
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Albany County, 47% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
47%
of renter households spend 30% or more of their income on rent.
58,490 households rent in Albany County
- Spend half or more of their income 26%
- Spend 30% or more, but less than half 21%
- Spend less than 30% 53%
Compared with the state and the country
- Albany 47%
- New York 52%
- United States 51%
Low-income apartments
Low-income apartments in Albany County
HUD lists 70 properties with homes for low-income households in Albany County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 36
- HUD-assisted
- 23
- public housing
- 12
7,025 homes in all; 6,157 of them low-income, according to HUD.
- Capital District Apts HUD-assisted 6 Executive Park Dr, Albany 12203 586 homes, 581 low-income · For older adults · (518) 265-5241
- South Mall Towers Tax credit (LIHTC) 99 S Pearl St, Albany 12207 348 homes, 322 low-income · Studio: 159 · 1 bd: 154 · 2 bd: 9 · In service since 2003 · For older adults
- Capitol Green Tax credit (LIHTC) 400 Central Ave, Albany 12206 308 homes, 298 low-income · Studio: 44 · 1 bd: 176 · 2 bd: 88 · In service since 2007 · For families
- Lincoln Park Homes Public housing 1 Lincoln Sq, Albany 12202 196 low-income homes · Run by Albany Housing Authority · (518) 641-7500
- Skyline Garden Apts Tax credit (LIHTC) 7 Lark St, Albany 12210 190 low-income homes · 1 bd: 48 · 2 bd: 103 · 3 bd: 39 · In service since 2001 · For families
- Clinton Avenue Historic Tax credit (LIHTC) 321 Clinton Ave, Albany 12210 210 homes, 187 low-income · Studio: 2 · 1 bd: 131 · 2 bd: 71 · 3 bd: 12 · In service since 2020
- Westview Apartments Public housing 680 Central Ave, Albany 12206 195 homes, 181 low-income · Run by Albany Housing Authority · Average payment: $400 a month · Average wait: 49 months · (518) 641-7500
- Ohav Shalom Tax credit (LIHTC) · HUD-assisted 115 Krumkill Rd, Albany 12208 210 homes, 180 low-income · 1 bd: 210 · In service since 2015 · For older adults · (518) 489-5531
- Day Apartments HUD-assisted 2100 Whitehall St, Watervliet 12189 178 low-income homes · For families
- Ezra Prentice Homes Redevelopment LLC Public housing 625A S Pearl St, Albany 12202 176 homes, 169 low-income · Run by Albany Housing Authority · Average payment: $548 a month · Average wait: 92 months · (518) 641-7500
- Corning Homes Hope Vi Tax credit (LIHTC) 52 Jennings Dr, Albany 12204 160 low-income homes · 1 bd: 9 · 2 bd: 80 · 3 bd: 55 · 4 bd: 16 · In service since 2002 · For people with disabilities, families
- Townsend Park Homes Public housing 45 Central Ave, Albany 12206 158 homes, 156 low-income · Run by Albany Housing Authority · Average payment: $383 a month · Average wait: 61 months · Homes at several sites · (518) 641-7500
- Historic Pastures Mansions HUD-assisted 68 Westerlo St, Albany 12202 152 homes, 150 low-income · For families · (518) 462-3646
- St Sophia and Holy Wisdom Apartments HUD-assisted 426 Whitehall Rd, Albany 12208 141 homes, 140 low-income · For older adults · (518) 459-4910
- Dudley Park Apts Tax credit (LIHTC) 180 Lark Dr, Albany 12210 140 homes, 135 low-income · 1 bd: 24 · 2 bd: 63 · 3 bd: 28 · 4 bd: 20 · In service since 2001 · For families
- Skyline Garden Apartments HUD-assisted 123 Livingston Ave, Albany 12207 189 homes, 131 low-income · For families · (518) 465-2449
- Hanratta Apartments HUD-assisted 101 23rd St, Watervliet 12189 129 low-income homes · For older adults
- Creighton Storey Homes Tax credit (LIHTC) 158 3rd Ave, Albany 12202 128 low-income homes · 1 bd: 34 · 2 bd: 43 · 3 bd: 42 · 4 bd: 9 · In service since 2007 · For families
- Robert Whalen Homes Public housing 275 Colonie St, Albany 12210 124 low-income homes · Run by Albany Housing Authority · Average payment: $544 a month · Average wait: 69 months · (518) 641-7500
- Parkview Apartments HUD-assisted 400 Hudson Ave, Albany 12203 182 homes, 118 low-income · For older adults · (518) 465-2293
- Robinson Square Apts HUD-assisted 325 Hamilton St, Albany 12210 116 homes, 115 low-income · For families · (518) 463-5327
- Ogden Mill Apts. HUD-assisted 1 Ogden Mills Plz, Cohoes 12047 115 low-income homes · For older adults · (518) 235-9508
- Bishop Broderick Apartments HUD-assisted 50 Prescott St, Albany 12205 101 homes, 100 low-income · For older adults · (518) 869-7441
- Ashfield Tax credit (LIHTC) 331 Old Loudon Rd, Latham 12110 96 low-income homes · 1 bd: 117 · 2 bd: 4
- Ida Yarbrough Homes Redevelopment - Phase II Tax credit (LIHTC) 543 Lark Dr, Albany 12210 88 low-income homes · 1 bd: 19 · 2 bd: 48 · 3 bd: 4 · 4 bd: 5 · In service since 2018 · For families, people experiencing homelessness
- Van Rensselaer Village Redevelopment Tax credit (LIHTC) 3 Early Dr, Watervliet 12189 81 homes, 80 low-income · 1 bd: 28 · 2 bd: 33 · 3 bd: 15 · 4 bd: 4 · In service since 2011 · For families
- LV Apartments LP Tax credit (LIHTC) 315 Northern Blvd, Albany 12210 103 homes, 77 low-income · Studio: 7 · 1 bd: 59 · 2 bd: 11 · In service since 2015 · For older adults
- Cohoes-Lion Heart Residences Tax credit (LIHTC) 100 Lion Heart Manor, Cohoes 12047 72 low-income homes · 1 bd: 9 · 2 bd: 27 · 3 bd: 36 · In service since 2015 · For families
- Whitehall Court Apts Tax credit (LIHTC) 360 Whitehall Rd, Albany 12208 72 low-income homes · 1 bd: 51 · 2 bd: 21 · In service since 1998 · For older adults
- Cohoes Falls Apts Tax credit (LIHTC) 54 Willow St, Cohoes 12047 66 low-income homes · 1 bd: 9 · 2 bd: 28 · 3 bd: 29 · In service since 2011
- Brandywine Apartments HUD-assisted 800 Brandywine Pkwy, Guilderland 12084 180 homes, 64 low-income · For older adults · (518) 869-3553
- Cohoes Falls Apartments HUD-assisted 744 Broadway, Albany 12207 66 homes, 64 low-income · For families · (518) 235-0473
- Ida Yarbrough Homes Redevelopment Tax credit (LIHTC) 9 Harriet Myers Mews, Albany 12207 61 low-income homes · 2 bd: 17 · 3 bd: 22 · 4 bd: 22 · In service since 2017 · For people with disabilities, families
- ST. Vincents Apts HUD-assisted 475 Yates St, Albany 12208 60 homes, 59 low-income · For older adults · (518) 482-8915
- Nutgrove Garden Apartments Public housing Albany 12202 92 homes, 56 low-income · Run by Albany Housing Authority · Average payment: $714 a month · Average wait: 122 months · (518) 641-7500
- Arbor Hill Homes Public housing 100 1st St, Albany 12210 54 low-income homes · Run by Albany Housing Authority · Average payment: $703 a month · Average wait: 65 months · Homes at several sites · (518) 641-7500
- Arbor Hill Redevelopment Tax credit (LIHTC) 110 1st St, Albany 12210 54 low-income homes · 1 bd: 13 · 2 bd: 22 · 3 bd: 13 · 4 bd: 6 · In service since 2007 · For families
- South End Revitalization Tax credit (LIHTC) 21 3rd Ave, Albany 12202 52 low-income homes · 1 bd: 34 · 2 bd: 10 · 3 bd: 5 · 4 bd: 3 · In service since 2009 · For people with disabilities, families
- Cabrini Acres Senior Apartments HUD-assisted 4 Carondelet Dr, Watervliet 12189 50 homes, 49 low-income · For older adults · (518) 785-0050
- Delatour Manor Tax credit (LIHTC) 8 Carondelet Dr, Watervliet 12189 50 homes, 49 low-income · 1 bd: 49 · In service since 1998 · For older adults
- Sanderson Court Senior Apartments HUD-assisted 6 Carondelet Dr, Watervliet 12189 50 homes, 49 low-income · For older adults · (518) 782-1123
- Fontbonne Manor HUD-assisted 10 Carondelet Dr, Watervliet 12189 49 low-income homes · For older adults · (518) 782-2780
- Marie Rose Manor HUD-assisted 100 Marquis Dr, Slingerlands 12159 49 low-income homes · For older adults · (518) 459-0204
- Guilderland Senior Housing Tax credit (LIHTC) 3485 Carman Rd, Schenectady 12303 48 low-income homes · 1 bd: 32 · 2 bd: 16 · In service since 2000 · For older adults
- Omni Sen Living Comm of Guilderland II Tax credit (LIHTC) 3489 Carman Rd, Schenectady 12303 48 low-income homes · 1 bd: 33 · 2 bd: 15 · In service since 2002 · For older adults
- Sheridan Hollow Village 1 Tax credit (LIHTC) 221 Sheridan Ave, Albany 12210 57 homes, 47 low-income · 1 bd: 31 · 2 bd: 10 · 3 bd: 14 · 4 bd: 2 · In service since 2016 · For people with disabilities, families
- Knox Street Apts Tax credit (LIHTC) 148 Knox St, Albany 12208 47 low-income homes · 1 bd: 34 · 2 bd: 12 · 3 bd: 1 · In service since 2008 · For people with disabilities, families
- Waldorf Residence Tax credit (LIHTC) 29 Maiden Ln, Albany 12207 46 low-income homes · Studio: 46 · In service since 1994 · For people experiencing homelessness
- Ida Yarbrough Homes Redevelopment Public housing 800 Manning Blvd, Albany 12207 61 homes, 45 low-income · Run by Albany Housing Authority · Average payment: $735 a month · Average wait: 70 months · (518) 641-7500
- South End Revitalization 2 Tax credit (LIHTC) 35 Catherine St, Albany 12202 43 low-income homes · 1 bd: 5 · 2 bd: 29 · 3 bd: 9 · In service since 2010 · For families
- Mansion Initiative Tax credit (LIHTC) 127 Grand St, Albany 12202 39 low-income homes · 1 bd: 15 · 2 bd: 22 · 3 bd: 1 · 4 bd: 1 · In service since 2006 · For families
- River's Edge Apts Tax credit (LIHTC) 1200 River View Dr, Green Island 12183 128 homes, 38 low-income · 1 bd: 14 · 2 bd: 16 · 3 bd: 8 · In service since 2003 · For families
- Brandle Woods Tax credit (LIHTC) 6 Van Evera Dr, Altamont 12009 32 low-income homes · 1 bd: 32 · In service since 1991 · For older adults
- Steamboat Square Public housing 298C S Pearl St, Albany 12202 31 homes, 30 low-income · Run by Albany Housing Authority · Average payment: $643 a month · (518) 641-7500
- Idlewild Terrace HUD-assisted 110 2nd St, Albany 12210 30 low-income homes · For older adults · (518) 426-0602
- Civill Senior Housing Tax credit (LIHTC) 8 Civill Ave, Ravena 12143 28 homes, 27 low-income · 1 bd: 26 · 2 bd: 1 · In service since 1997 · For older adults, families
- De Paul Residence Tax credit (LIHTC) 504 Central Ave, Albany 12206 51 homes, 26 low-income · Studio: 26 · In service since 1993
- Feura Bush Senior Apts Tax credit (LIHTC) 34 New Scotland Ave, Feura Bush 12067 24 low-income homes · 1 bd: 22 · 2 bd: 2 · In service since 1993 · For older adults
- Arbor Hill 3b Public housing 155 Clinton Ave, Albany 12210 23 low-income homes · Run by Albany Housing Authority · Average payment: $475 a month · Average wait: 80 months · Homes at several sites · (518) 641-7500
- Arbor Hill Redevelopment Phase 3b Tax credit (LIHTC) 42 N Swan St, Albany 12210 23 low-income homes · 1 bd: 2 · 2 bd: 21 · In service since 2009 · For families
- South End Phase III Public housing 365 S Pearl St, Albany 12202 56 homes, 21 low-income · Run by Albany Housing Authority · Average payment: $462 a month · Average wait: 78 months · Homes at several sites · (518) 641-7500
- Drake Manor HUD-assisted 112 2nd St, Albany 12210 20 low-income homes · For older adults · (518) 426-0602
- Bradford Street Apartments HUD-assisted 186 Bradford St, Albany 12206 19 low-income homes · For people with disabilities · (518) 465-2165
- Green Island Senior Housing Tax credit (LIHTC) 119 George St, Green Island 12183 13 low-income homes · 1 bd: 11 · 2 bd: 2 · In service since 2001 · For older adults
- South Pearl Street Apts HUD-assisted 646 S Pearl St, Albany 12202 11 homes, 10 low-income · For people with disabilities
- Ida Yarbrough Phase II Public housing 69 Tyler Trice Ter, Albany 12207 76 homes, 8 low-income · Run by Albany Housing Authority · (518) 641-7500
- Barn Raisers Family Housing Tax credit (LIHTC) 87 3rd Ave, Albany 12202 8 homes, 7 low-income · 1 bd: 1 · 2 bd: 3 · 3 bd: 3 · In service since 1991
- Ezra Prentice Homes Tax credit (LIHTC) 635 S Pearl St, Albany 12202 179 homes
- Pinewood Drive Residence HUD-assisted 235 Pinewood Dr, Schenectady 12303 7 homes · For people with disabilities · (518) 459-0750, ext. 112
- Southend Revitalization 3 Tax credit (LIHTC) 67 Broad St, Albany 12202 In service since 2013 · For families
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Albany County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 3 agencies serve in Albany County. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $25,900 | $43,100 | $68,950 |
| 2 people | $29,600 | $49,250 | $78,800 |
| 3 people | $33,300 | $55,400 | $88,650 |
| 4 people | $36,950 | $61,550 | $98,500 |
| 5 people | $39,950 | $66,500 | $106,400 |
| 6 people | $44,360 | $71,400 | $114,300 |
| 7 people | $50,040 | $76,350 | $122,150 |
| 8 people | $55,720 | $81,250 | $130,050 |
Area median income: $123,100. HUD income limits by family size, Fiscal year 2026. Area: Albany-Schenectady-Troy, NY MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,114 – $1,362
- 1 bedroom $1,283 – $1,568
- 2 bedrooms $1,540 – $1,882
- 3 bedrooms $1,835 – $2,243
- 4 bedrooms $2,024 – $2,474
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Albany Housing Authority Public housing and Section 8 vouchers · 4,281 vouchers · 1,225 public housing units (518) 641-7500 Albany Housing Authority: info@albanyhousing.org
- Cohoes Housing Authority Public housing and Section 8 vouchers · 401 vouchers (518) 235-4500 Cohoes Housing Authority: METHIER@Cohoeshousing.org
- Watervliet Housing Authority Public housing and Section 8 vouchers · 219 vouchers (518) 273-4717 Watervliet Housing Authority: methier@watervliethousing.org
Housing agencies in New York Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in New York
What New York law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 1 month of rent
- N.Y. Gen. Oblig. Law §7-108(1-a)(a)
- When must they return my deposit?
- 14 days
- N.Y. Gen. Oblig. Law §7-108(1-a)(e)
- If I fall behind on rent, what notice must I get?
- 14 days
- N.Y. Real Prop. Acts. Law §711(2)
- How much notice before a rent increase?
- 30, 60, or 90 days, depending on the case
- N.Y. Real Prop. Law §226-c(1)(a), (2)
- Only a court order can remove youN.Y. Real Prop. Acts. Law §768(1)(a)
- Protection from retaliationN.Y. Real Prop. Law §223-b(1)
- Protection related to immigration statusN.Y. Exec. Law §296(5)(a)(3)
Help
Where to get help with rent in Albany County
This HUD-approved agency has an office in Albany County. They counsel for free or at low cost.
-
Affordable Housing Partnership
255 Orange St Ste 105, Albany · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Albany County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in New York, the average home bill was $140 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$3,422
What you need before you get the keys.
What adds up
- First month
- $1,711
- Security deposit
- $1,711
- Total
- $3,422
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Albany County?
According to HUD (Fiscal year 2027): Studio: $1,238; 1 bedroom: $1,425; 2 bedrooms: $1,711; 3 bedrooms: $2,039; 4 bedrooms: $2,249. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Albany County?
Paying the 2-bedroom fair market rent ($1,711) without spending more than 30% of income takes $32.90 an hour full time, or $68,440 a year.
Who qualifies for Section 8 in Albany County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $61,550 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Albany County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,540 and $1,882 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Albany County?
For 2 bedrooms they run from $1,540 in 12041 to $2,570 in 12222. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Albany County?
HUD lists 70 properties with homes for low-income households in Albany County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Albany County?
HUD counts rent as a burden when it reaches 30% of income or more. In Albany County, 47% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).