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Renting · Section 8

Data from November 2026

Renting in Cattaraugus County, New York

Cattaraugus County has a HUD fair market rent of $1,014 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $770 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.50 an hour, full time.

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Fair market rent, 2 bedrooms
$1,014
a month, HUD, Fiscal year 2027
58% less than in New York
Typical rent
$770
a month, Census, Average 2020–2024
52% less than in New York
Wage needed
$19.50
an hour, 2 bedrooms
Or $40,560 a year, to spend no more than 30% of income on rent.
Rent-burdened households
46%
spend 30% or more of income on rent
12% less than in New York

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates

Only here

Renting in Cattaraugus County: what sets it apart

What this place has that others do not, from public data, most unusual first.

  1. At $770, Cattaraugus County ranks 2nd among the 62 counties in New York for the lowest typical rent.

  2. At $59,540, Cattaraugus County ranks 3rd among the 62 counties in New York for the lowest typical household income.

  3. 13% of households in Cattaraugus County have no internet at home, against 7% in New York.

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 Cattaraugus 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 Cattaraugus County was $1,001 a month in September 2026. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size Fair rent per month Hourly wage Income needed per year
Studio $742 $14.27 $29,680
1 bedroom $794 $15.27 $31,760
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,274 $24.50 $50,960
4 bedrooms $1,438 $27.65 $57,520

HUD area: Cattaraugus County, NY. 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 34 ZIP codes in Cattaraugus County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,010 in 14070 to $1,340 in 14726. 21 ZIP codes are above the county's fair market rent ($1,014).

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)

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Cattaraugus County, 46% 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.

46%

of renter households spend 30% or more of their income on rent.

7,899 households rent in Cattaraugus County

  • Spend half or more of their income 22%
  • Spend 30% or more, but less than half 24%
  • Spend less than 30% 54%

Compared with the state and the country

  • Cattaraugus 46%
  • New York 52%
  • United States 51%

Low-income apartments

Low-income apartments in Cattaraugus County

HUD lists 22 properties with homes for low-income households in Cattaraugus 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)
14
HUD-assisted
5
public housing
4

778 homes in all; 776 of them low-income, according to HUD.

  • West and Alder Courts Public housing 305 N 15th St, Olean 14760 108 low-income homes · Run by Olean Housing Authority · Average payment: $596 a month · Average wait: 4 months · Homes at several sites · (716) 372-8262
  • Aspen Tower HUD-assisted 350 Front St, Olean 14760 99 low-income homes · For older adults · (716) 372-3002
  • Spring & Seneca CT. Public housing 401 Alder St, Olean 14760 81 low-income homes · Run by Olean Housing Authority · Average payment: $402 a month · Average wait: 5 months · Homes at several sites · (716) 372-8262
  • Olean House Public housing 132 N Union St, Olean 14760 62 low-income homes · Run by Olean Housing Authority · Average payment: $379 a month · Average wait: 3 months · (716) 372-8262
  • South Court Public housing 554 Martha Ave, Olean 14760 55 low-income homes · Run by Olean Housing Authority · Average payment: $557 a month · Average wait: 22 months · (716) 372-8262
  • Brookside Community HUD-assisted 301 W Henley St, Olean 14760 38 low-income homes · For older adults · (716) 373-9200
  • Academy Place Tax credit (LIHTC) · HUD-assisted 1 School St, Gowanda 14070 32 low-income homes · 1 bd: 28 · 2 bd: 4 · In service since 2010 · For older adults
  • Cranberry Court Tax credit (LIHTC) 3100 Cranberry Rd, Olean 14760 32 low-income homes · 1 bd: 32 · In service since 2000 · For older adults
  • Delevan Village Apts Tax credit (LIHTC) 1014 N Main St, Delevan 14042 32 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 1997 · For older adults
  • Cattaraugus Manor Tax credit (LIHTC) 9 Mill St, Cattaraugus 14719 24 low-income homes · 1 bd: 24 · In service since 1995 · For older adults, people with disabilities
  • Little Valley Estates Tax credit (LIHTC) 114A 1st St, Little Valley 14755 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1997 · For older adults
  • Maple Leaf Apts Tax credit (LIHTC) 101 S Main St, Franklinville 14737 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1995 · For families
  • Portville Square Apts Tax credit (LIHTC) 90 S Main St, Portville 14770 24 low-income homes · 1 bd: 24 · In service since 1992 · For older adults, people with disabilities
  • Yorkshire Corners Tax credit (LIHTC) 12089 County Line Rd, Delevan 14042 24 low-income homes · 1 bd: 24 · In service since 1991 · For older adults
  • Little Valley Terrace Tax credit (LIHTC) 415 Court St, Little Valley 14755 24 homes, 22 low-income · 1 bd: 22 · In service since 1992 · For older adults
  • Pine Valley Preservation Project Tax credit (LIHTC) 63 Main St, South Dayton 14138 21 low-income homes · 1 bd: 9 · 2 bd: 6 · 3 bd: 6 · In service since 2007 · For older adults, people with disabilities, families
  • Randolph Area Community Apts Tax credit (LIHTC) 270 Main St, Randolph 14772 20 low-income homes · 1 bd: 10 · 2 bd: 10 · In service since 2007 · For older adults, people experiencing homelessness
  • Carrollton Heights Tax credit (LIHTC) 560 Main St, Limestone 14753 18 low-income homes · 1 bd: 18 · In service since 1993 · For older adults, people with disabilities
  • First Apts Olean Tax credit (LIHTC) 516 N 1st St, Olean 14760 16 low-income homes · Studio: 1 · 1 bd: 12 · 2 bd: 3 · In service since 2002 · For people with disabilities
  • Jefferson House Apts Tax credit (LIHTC) 25 Jefferson St, Salamanca 14779 8 low-income homes · 1 bd: 2 · 2 bd: 3 · 3 bd: 3 · In service since 1999
  • Cattaraugus Rehab Center HUD-assisted 3583 Olean Rd, Hinsdale 14743 6 low-income homes · For people with disabilities · (716) 557-2936
  • R & A Grant Hsg. HUD-assisted 310 N 6th St, Olean 14760 6 low-income homes · For people with disabilities · (716) 372-4739

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 Cattaraugus County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Cattaraugus County. Here is what the rules say:

The rules, with their source

  1. 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. HUD

  2. 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). 24 CFR §5.603, §982.201(b)

  3. Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). 24 CFR §982.201(b)(2)

  4. 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. 24 CFR §982.1(a)(3)

  5. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. 24 CFR §982.508

  6. Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured
HUD income limits Yearly income of the whole family, before taxes.
People Extremely low (30%) Very low (50%) Low
$18,900 $31,500 $50,350
$21,640 $36,000 $57,550
$27,320 $40,500 $64,750
$33,000 $44,950 $71,900
$38,680 $48,550 $77,700
$44,360 $52,150 $83,450
$50,040 $55,750 $89,200
$55,720 $59,350 $94,950

Area median income: $78,200. HUD income limits by family size, Fiscal year 2026. Area: Cattaraugus County, NY. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $668 – $816
  • 1 bedroom $715 – $873
  • 2 bedrooms $913 – $1,115
  • 3 bedrooms $1,147 – $1,401
  • 4 bedrooms $1,294 – $1,582

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

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 rule

Compare 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 Cattaraugus County

These are the nearest HUD-approved agencies. They counsel for free or at low cost.

  • Chautauqua Opportunities, Incorporated

    402 Chandler Street, Jamestown · 31 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (716) 661-9430

  • Allegany County Community Opportunities and Rural Development (ACCORD) Corp.

    84 Schuyler St, Belmont · 32 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 7 more
    (585) 268-7605

  • Chautauqua Opportunities, Incorporated

    17 W Courtney St, Dunkirk · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (716) 661-9430
See every agency in New York Find legal aid (lsc.gov)

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Cattaraugus 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

Open the full tool

Your move

We use the place's fair market rent and the state's deposit rule.

Adjust advanced details
Deposit and rent in advance
The deposit, in

Let's do the math

Cash to move in

$2,028

What you need before you get the keys.

What adds up

First month
$1,014
Security deposit
$1,014
Total
$2,028

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

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.
Guide: the security depositGuide: avoiding rental scamsFamily budgetHow much rent can I afford?

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.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Cattaraugus County?

According to HUD (Fiscal year 2027): Studio: $742; 1 bedroom: $794; 2 bedrooms: $1,014; 3 bedrooms: $1,274; 4 bedrooms: $1,438. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Cattaraugus County?

Paying the 2-bedroom fair market rent ($1,014) without spending more than 30% of income takes $19.50 an hour full time, or $40,560 a year.

Who qualifies for Section 8 in Cattaraugus County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $44,950 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 Cattaraugus 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 $913 and $1,115 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Cattaraugus County?

For 2 bedrooms they run from $1,010 in 14070 to $1,340 in 14726. 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 Cattaraugus County?

HUD lists 22 properties with homes for low-income households in Cattaraugus 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 Cattaraugus County?

HUD counts rent as a burden when it reaches 30% of income or more. In Cattaraugus County, 46% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).