Renting · Section 8
Data from November 2026
Renting in Cayuga County, New York
Cayuga County has a HUD fair market rent of $1,074 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $942 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $20.65 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,074
- a month, HUD, Fiscal year 2027
- 55% less than in New York
- Typical rent
- $942
- a month, Census, Average 2020–2024
- 42% less than in New York
- Wage needed
- $20.65
- an hour, 2 bedrooms
- Or $42,960 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 50%
- spend 30% or more of income on rent
- 4% less than in New York
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 Cayuga 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 Cayuga County was $1,428 a month in September 2026. 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 | $872 | $16.77 | $34,880 |
| 1 bedroom | $877 | $16.87 | $35,080 |
| 2 bedrooms | $1,074 | $20.65 | $42,960 |
| 3 bedrooms | $1,424 | $27.38 | $56,960 |
| 4 bedrooms | $1,637 | $31.48 | $65,480 |
HUD area: Cayuga 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 25 ZIP codes in Cayuga County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,020 in 13118 to $1,610 in 13081. 24 ZIP codes are above the county's fair market rent ($1,074).
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)
| 13021 | Cayuga County, NY | $900 | $1,020 | $1,260 | $1,530 | $1,680 |
|---|---|---|---|---|---|---|
| 13021 | Syracuse, NY | $900 | $1,020 | $1,260 | $1,530 | $1,680 |
| 13024 | Cayuga County, NY | $890 | $900 | $1,100 | $1,460 | $1,680 |
| 13026 | Cayuga County, NY | $1,160 | $1,170 | $1,430 | $1,900 | $2,180 |
| 13033 | Cayuga County, NY | $970 | $1,020 | $1,260 | $1,590 | $1,830 |
| 13033 | Syracuse, NY | $970 | $1,020 | $1,260 | $1,590 | $1,830 |
| 13034 | Cayuga County, NY | $1,040 | $1,050 | $1,280 | $1,700 | $1,950 |
| 13071 | Cayuga County, NY | $950 | $960 | $1,170 | $1,550 | $1,780 |
| 13081 | Cayuga County, NY | $1,310 | $1,320 | $1,610 | $2,140 | $2,450 |
| 13081 | Ithaca, NY | $1,310 | $1,320 | $1,610 | $2,140 | $2,450 |
| 13092 | Cayuga County, NY | $1,140 | $1,320 | $1,580 | $1,900 | $2,370 |
| 13092 | Ithaca, NY | $1,140 | $1,320 | $1,580 | $1,900 | $2,370 |
| 13111 | Cayuga County, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13111 | Syracuse, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13113 | Cayuga County, NY | $970 | $980 | $1,200 | $1,590 | $1,830 |
| 13117 | Cayuga County, NY | $920 | $960 | $1,180 | $1,570 | $1,840 |
| 13118 | Cayuga County, NY | $820 | $830 | $1,020 | $1,350 | $1,560 |
| 13140 | Cayuga County, NY | $940 | $950 | $1,160 | $1,540 | $1,770 |
| 13147 | Cayuga County, NY | $850 | $850 | $1,080 | $1,400 | $1,610 |
| 13156 | Cayuga County, NY | $1,010 | $1,140 | $1,420 | $1,710 | $1,880 |
| 13156 | Rochester, NY | $1,010 | $1,140 | $1,420 | $1,710 | $1,880 |
| 13156 | Syracuse, NY | $1,010 | $1,140 | $1,420 | $1,710 | $1,880 |
| 13160 | Cayuga County, NY | $1,000 | $1,000 | $1,230 | $1,630 | $1,880 |
| 13166 | Cayuga County, NY | $920 | $1,020 | $1,260 | $1,530 | $1,730 |
| 13166 | Syracuse, NY | $920 | $1,020 | $1,260 | $1,530 | $1,730 |
- 13021 · Cayuga County, NY $1,260$1,530
- 13021 · Syracuse, NY $1,260$1,530
- 13024 · Cayuga County, NY $1,100$1,460
- 13026 · Cayuga County, NY $1,430$1,900
- 13033 · Cayuga County, NY $1,260$1,590
- 13033 · Syracuse, NY $1,260$1,590
- 13034 · Cayuga County, NY $1,280$1,700
- 13071 · Cayuga County, NY $1,170$1,550
- 13081 · Cayuga County, NY $1,610$2,140
- 13081 · Ithaca, NY $1,610$2,140
- 13092 · Cayuga County, NY $1,580$1,900
- 13092 · Ithaca, NY $1,580$1,900
- 13111 · Cayuga County, NY $1,260$1,530
- 13111 · Syracuse, NY $1,260$1,530
- 13113 · Cayuga County, NY $1,200$1,590
- 13117 · Cayuga County, NY $1,180$1,570
- 13118 · Cayuga County, NY $1,020$1,350
- 13140 · Cayuga County, NY $1,160$1,540
- 13147 · Cayuga County, NY $1,080$1,400
- 13156 · Cayuga County, NY $1,420$1,710
- 13156 · Rochester, NY $1,420$1,710
- 13156 · Syracuse, NY $1,420$1,710
- 13160 · Cayuga County, NY $1,230$1,630
- 13166 · Cayuga County, NY $1,260$1,530
- 13166 · Syracuse, NY $1,260$1,530
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 Cayuga County, 50% 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.
50%
of renter households spend 30% or more of their income on rent.
9,006 households rent in Cayuga County
- Spend half or more of their income 23%
- Spend 30% or more, but less than half 27%
- Spend less than 30% 50%
Compared with the state and the country
- Cayuga 50%
- New York 52%
- United States 51%
Low-income apartments
Low-income apartments in Cayuga County
HUD lists 14 properties with homes for low-income households in Cayuga County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 7
- HUD-assisted
- 7
999 homes in all; 841 of them low-income, according to HUD.
- Edward T Boyle Center HUD-assisted 149 Genesee St, Auburn 13021 151 homes, 150 low-income · For older adults · (315) 253-0335
- Oak Creek Town Homes/Auburn CT. Tax credit (LIHTC) 101 Quill Ave, Auburn 13021 150 homes, 140 low-income · 1 bd: 30 · 2 bd: 71 · 3 bd: 49
- Stryker Homes Apartments HUD-assisted 2 Loop Rd, Auburn 13021 103 homes, 102 low-income · For older adults · (315) 252-4050
- Auburn and Northbrook Apartments, LLC HUD-assisted 507 Austin Dr, Auburn 13021 100 homes, 99 low-income · For families · (315) 252-7171
- Melone Village Phase I Tax credit (LIHTC) 91 Garrow St, Auburn 13021 62 low-income homes · 1 bd: 17 · 2 bd: 4 · 3 bd: 30 · 4 bd: 11 · In service since 2019
- Brogan Manor Tax credit (LIHTC) 37 Olympia Ave, Auburn 13021 88 homes, 56 low-income · 2 bd: 39 · 3 bd: 42 · 4 bd: 7 · In service since 2014
- Genesee Gardens HUD-assisted 113 Genesee Gdns, Auburn 13021 128 homes, 50 low-income · For families · (315) 252-1441
- Olympia Terrace HUD-assisted 2 Olympia Avenue, Auburn 13021 50 low-income homes · For families
- Mercy Apartments HUD-assisted 1 Thornton Ave, Auburn 13021 40 low-income homes · For older adults · (315) 253-2915
- Church Street Apts Tax credit (LIHTC) 27 Church St, Port Byron 13140 38 low-income homes · 1 bd: 10 · 2 bd: 21 · 3 bd: 7 · In service since 1995 · For older adults, families
- Pearce Tract Development Tax credit (LIHTC) 357 Clark ST, Auburn 13021 30 low-income homes · 2 bd: 20 · 3 bd: 10 · In service since 2011 · For families, people experiencing homelessness
- Elaine Estates HUD-assisted 169 Murray St, Auburn 13021 12 low-income homes · For people with disabilities · (315) 253-6249
- Westlake II Tax credit (LIHTC) 8 Fort St, Auburn 13021 12 low-income homes · 1 bd: 2 · 2 bd: 3 · 3 bd: 2 · 4 bd: 5 · In service since 2000 · For families
- S E Payne Cornerstone Tax credit (LIHTC) 8 James St, Auburn 13021 35 homes · In service since 2014 · For families
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 Cayuga County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Cayuga 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 | $18,900 | $31,500 | $50,350 |
| 2 people | $21,640 | $36,000 | $57,550 |
| 3 people | $27,320 | $40,500 | $64,750 |
| 4 people | $33,000 | $44,950 | $71,900 |
| 5 people | $38,680 | $48,550 | $77,700 |
| 6 people | $44,360 | $52,150 | $83,450 |
| 7 people | $50,040 | $55,750 | $89,200 |
| 8 people | $55,720 | $59,350 | $94,950 |
Area median income: $86,000. HUD income limits by family size, Fiscal year 2026. Area: Cayuga County, NY. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $785 – $959
- 1 bedroom $789 – $965
- 2 bedrooms $967 – $1,181
- 3 bedrooms $1,282 – $1,566
- 4 bedrooms $1,473 – $1,801
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
- Auburn Housing Authority Public housing and Section 8 vouchers · 437 vouchers (315) 253-6249 Auburn Housing Authority: shutchinson@centralny.twcbc.com
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 Cayuga County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
-
Home Headquarters, Inc.
625 Erie Blvd W, Syracuse · 21 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 8 more
-
City of Fulton Community Development Agency
125 W Broadway, Fulton · 23 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
Keuka Housing Council
160 Main St, Penn Yan · 34 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Cayuga 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
$2,148
What you need before you get the keys.
What adds up
- First month
- $1,074
- Security deposit
- $1,074
- Total
- $2,148
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 Cayuga County?
According to HUD (Fiscal year 2027): Studio: $872; 1 bedroom: $877; 2 bedrooms: $1,074; 3 bedrooms: $1,424; 4 bedrooms: $1,637. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Cayuga County?
Paying the 2-bedroom fair market rent ($1,074) without spending more than 30% of income takes $20.65 an hour full time, or $42,960 a year.
Who qualifies for Section 8 in Cayuga 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 Cayuga 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 $967 and $1,181 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Cayuga County?
For 2 bedrooms they run from $1,020 in 13118 to $1,610 in 13081. 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 Cayuga County?
HUD lists 14 properties with homes for low-income households in Cayuga County: tax-credit apartments (LIHTC) and HUD-assisted buildings. 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 Cayuga County?
HUD counts rent as a burden when it reaches 30% of income or more. In Cayuga County, 50% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).