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Renting · Section 8

Data from November 2026

Renting in Delaware County, New York

Delaware County has a HUD fair market rent of $1,017 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $880 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.56 an hour, full time.

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Fair market rent, 2 bedrooms
$1,017
a month, HUD, Fiscal year 2027
58% less than in New York
Typical rent
$880
a month, Census, Average 2020–2024
46% less than in New York
Wage needed
$19.56
an hour, 2 bedrooms
Or $40,680 a year, to spend no more than 30% of income on rent.
Rent-burdened households
45%
spend 30% or more of income on rent
14% 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

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 Delaware 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 Delaware County was $1,268 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 $732 $14.08 $29,280
1 bedroom $858 $16.50 $34,320
2 bedrooms $1,017 $19.56 $40,680
3 bedrooms $1,408 $27.08 $56,320
4 bedrooms $1,442 $27.73 $57,680

HUD area: Delaware 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 44 ZIP codes in Delaware County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,010 in 12474 to $1,880 in 12441. 39 ZIP codes are above the county's fair market rent ($1,017).

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 Delaware County, 45% 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.

45%

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

4,368 households rent in Delaware County

  • Spend half or more of their income 25%
  • Spend 30% or more, but less than half 20%
  • Spend less than 30% 55%

Compared with the state and the country

  • Delaware 45%
  • New York 52%
  • United States 51%

Low-income apartments

Low-income apartments in Delaware County

HUD lists 13 properties with homes for low-income households in Delaware County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.

with tax credits (LIHTC)
8
HUD-assisted
5

431 homes in all; 382 of them low-income, according to HUD.

  • Meadow Park HUD-assisted 85 Fair St, Deposit 13754 82 homes, 81 low-income · For older adults · (845) 356-7773
  • Sidney Senior Village HUD-assisted 200 Fox St, Sidney 13838 41 homes, 40 low-income · For older adults · (607) 563-8000
  • Mountainview Estates HUD-assisted 16 Munn St, Walton 13856 35 low-income homes · For families · (607) 865-4278
  • Delhi Manor Apts Tax credit (LIHTC) 306 Phoebe Ln, Delhi 13753 32 low-income homes · 1 bd: 8 · 2 bd: 24 · For older adults, people with disabilities, families
  • Mountain Laurel Gardens Tax credit (LIHTC) 100 Lamphere Ln, Arkville 12406 30 low-income homes · 1 bd: 14 · 2 bd: 8 · 3 bd: 8 · In service since 2006 · For older adults, people with disabilities, families
  • Dean's Landing Tax credit (LIHTC) 4 Graham Dr, Stamford 12167 28 low-income homes · 1 bd: 2 · 2 bd: 24 · 3 bd: 2 · In service since 2005 · For families
  • Read Memorial Senior Housing Tax credit (LIHTC) 266 Leonard St, Hancock 13783 28 low-income homes · 1 bd: 28 · In service since 1993 · For older adults
  • Delhi Senior Housing HUD-assisted 7 Main St, Delhi 13753 25 low-income homes · For older adults · (607) 746-8142
  • Sidney Community Apts Tax credit (LIHTC) 600 Circle Dr, Sidney 13838 24 low-income homes · 1 bd: 8 · 2 bd: 8 · 3 bd: 8 · In service since 2000 · For families
  • Stamford Village Apts Tax credit (LIHTC) 123 Main St, Stamford 12167 24 homes, 20 low-income · 1 bd: 19 · 2 bd: 1 · In service since 1997 · For older adults
  • Delhi Senior Community II HUD-assisted 7 Main St, Delhi 13753 20 low-income homes · For older adults · (607) 746-8142
  • Sidney Municipal Apartments Tax credit (LIHTC) 21 Liberty St, Sidney 13838 30 homes, 19 low-income · 1 bd: 26 · 2 bd: 4 · In service since 2018
  • Sherwood Landing Tax credit (LIHTC) 32 Landing Dr, Sidney 13838 32 homes · In service since 2013

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 Delaware 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 Delaware 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: $83,200. HUD income limits by family size, Fiscal year 2026. Area: Delaware County, NY. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $659 – $805
  • 1 bedroom $772 – $944
  • 2 bedrooms $915 – $1,119
  • 3 bedrooms $1,267 – $1,549
  • 4 bedrooms $1,298 – $1,586

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 Delaware County

This HUD-approved agency has an office in Delaware County. They counsel for free or at low cost.

  • Delaware Opportunities, Incorporated

    35430 State Highway 10, Hamden

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (607) 746-1600
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 Delaware 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

$2,034

What you need before you get the keys.

What adds up

First month
$1,017
Security deposit
$1,017
Total
$2,034

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 Delaware County?

According to HUD (Fiscal year 2027): Studio: $732; 1 bedroom: $858; 2 bedrooms: $1,017; 3 bedrooms: $1,408; 4 bedrooms: $1,442. It covers rent plus basic utilities, except the phone.

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

Paying the 2-bedroom fair market rent ($1,017) without spending more than 30% of income takes $19.56 an hour full time, or $40,680 a year.

Who qualifies for Section 8 in Delaware 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 Delaware 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 $915 and $1,119 a month. Your agency publishes its figure.

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

For 2 bedrooms they run from $1,010 in 12474 to $1,880 in 12441. 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 Delaware County?

HUD lists 13 properties with homes for low-income households in Delaware 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 Delaware County?

HUD counts rent as a burden when it reaches 30% of income or more. In Delaware County, 45% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).