Renting · Section 8
Data from November 2026
Renting in Herkimer County, New York
Herkimer County has a HUD fair market rent of $1,210 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $823 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $23.27 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,210
- a month, HUD, Fiscal year 2027
- 50% less than in New York
- Typical rent
- $823
- a month, Census, Average 2020–2024
- 49% less than in New York
- Wage needed
- $23.27
- an hour, 2 bedrooms
- Or $48,400 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 41%
- spend 30% or more of income on rent
- 21% less than in New York
Only here
Renting in Herkimer County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Herkimer County has the lowest typical rent in its area: $823, less than any of its 6 neighboring counties; next is Lewis County ($837).
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Herkimer County has the 5th smallest share of rent-burdened renters of the 62 counties in New York (41%).
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At $823, Herkimer County ranks 6th among the 62 counties in New York for the lowest typical rent.
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 Herkimer 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 Herkimer County was $1,250 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 | $857 | $16.48 | $34,280 |
| 1 bedroom | $946 | $18.19 | $37,840 |
| 2 bedrooms | $1,210 | $23.27 | $48,400 |
| 3 bedrooms | $1,442 | $27.73 | $57,680 |
| 4 bedrooms | $1,636 | $31.46 | $65,440 |
HUD area: Utica-Rome, 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 21 ZIP codes in Herkimer County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,060 in 13324 to $1,310 in 13338. 3 ZIP codes are above the county's fair market rent ($1,210).
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)
| 13322 | Utica-Rome, NY | $930 | $960 | $1,210 | $1,450 | $1,680 |
|---|---|---|---|---|---|---|
| 13324 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13331 | Hamilton County, NY | $970 | $990 | $1,290 | $1,550 | $1,710 |
| 13331 | Utica-Rome, NY | $970 | $990 | $1,290 | $1,550 | $1,710 |
| 13338 | Utica-Rome, NY | $1,000 | $1,040 | $1,310 | $1,570 | $1,810 |
| 13340 | Utica-Rome, NY | $810 | $890 | $1,140 | $1,360 | $1,540 |
| 13350 | Utica-Rome, NY | $810 | $880 | $1,130 | $1,350 | $1,530 |
| 13357 | Utica-Rome, NY | $840 | $930 | $1,190 | $1,420 | $1,610 |
| 13361 | Otsego County, NY | $810 | $870 | $1,110 | $1,330 | $1,470 |
| 13361 | Utica-Rome, NY | $810 | $870 | $1,110 | $1,330 | $1,470 |
| 13365 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13406 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13407 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13416 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13420 | Utica-Rome, NY | $810 | $860 | $1,100 | $1,310 | $1,490 |
| 13431 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13454 | Fulton County, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13454 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13472 | Utica-Rome, NY | $810 | $860 | $1,100 | $1,310 | $1,490 |
| 13475 | Otsego County, NY | $810 | $870 | $1,110 | $1,330 | $1,470 |
| 13475 | Utica-Rome, NY | $810 | $870 | $1,110 | $1,330 | $1,470 |
- 13322 · Utica-Rome, NY $1,210$1,450
- 13324 · Utica-Rome, NY $1,060$1,270
- 13331 · Hamilton County, NY $1,290$1,550
- 13331 · Utica-Rome, NY $1,290$1,550
- 13338 · Utica-Rome, NY $1,310$1,570
- 13340 · Utica-Rome, NY $1,140$1,360
- 13350 · Utica-Rome, NY $1,130$1,350
- 13357 · Utica-Rome, NY $1,190$1,420
- 13361 · Otsego County, NY $1,110$1,330
- 13361 · Utica-Rome, NY $1,110$1,330
- 13365 · Utica-Rome, NY $1,060$1,270
- 13406 · Utica-Rome, NY $1,060$1,270
- 13407 · Utica-Rome, NY $1,060$1,270
- 13416 · Utica-Rome, NY $1,060$1,270
- 13420 · Utica-Rome, NY $1,100$1,310
- 13431 · Utica-Rome, NY $1,060$1,270
- 13454 · Fulton County, NY $1,060$1,270
- 13454 · Utica-Rome, NY $1,060$1,270
- 13472 · Utica-Rome, NY $1,100$1,310
- 13475 · Otsego County, NY $1,110$1,330
- 13475 · Utica-Rome, NY $1,110$1,330
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 Herkimer County, 41% 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.
41%
of renter households spend 30% or more of their income on rent.
6,018 households rent in Herkimer County
- Spend half or more of their income 21%
- Spend 30% or more, but less than half 21%
- Spend less than 30% 59%
Compared with the state and the country
- Herkimer 41%
- New York 52%
- United States 51%
Low-income apartments
Low-income apartments in Herkimer County
HUD lists 14 properties with homes for low-income households in Herkimer 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
533 homes in all; 520 of them low-income, according to HUD.
- John Guy Prindle Apartments HUD-assisted 80 E North St, Ilion 13357 112 homes, 111 low-income · For older adults · (901) 759-1855
- Nathan Galinsky Apartments HUD-assisted 105 Protection Ave, Herkimer 13350 112 homes, 111 low-income · For older adults · (901) 759-1855
- Colonial Manor HUD-assisted 123 Colonial Cir, Ilion 13357 82 low-income homes · For families · (860) 570-2000
- Little Falls Garden Apartments HUD-assisted 759 E Monroe St, Little Falls 13365 50 low-income homes · For older adults · (315) 823-3240
- Parkside Court Apartments HUD-assisted 53 S Main St, Dolgeville 13329 44 low-income homes · For older adults · (315) 429-9548
- Grandview Assoc Tax credit (LIHTC) 402 S Litchfield St, Frankfort 13340 22 low-income homes · 1 bd: 20 · 2 bd: 2 · In service since 1994 · For older adults
- Greenwood Terrace Tax credit (LIHTC) 1 Greenwood Ter, Mohawk 13407 20 low-income homes · 1 bd: 20 · In service since 1996 · For older adults
- Academy Apts Tax credit (LIHTC) 621 John St, Little Falls 13365 29 homes, 19 low-income · 1 bd: 17 · 2 bd: 2 · In service since 1992
- Harold Talbot House Tax credit (LIHTC) 54 South St, West Winfield 13491 16 low-income homes · 1 bd: 14 · 2 bd: 2 · In service since 1992 · For older adults
- Nathan Castle Apts Tax credit (LIHTC) 249 S Main St, Herkimer 13350 15 low-income homes · 1 bd: 15 · In service since 2005 · For older adults
- Hillside Terrace Apts Tax credit (LIHTC) 3073 Hillside Meadows Dr, Newport 13416 10 low-income homes · 1 bd: 2 · 2 bd: 6 · 3 bd: 2 · In service since 2004 · For families
- Campus Apts Tax credit (LIHTC) 400 S Litchfield St, Frankfort 13340 8 low-income homes · 1 bd: 2 · 2 bd: 6 · In service since 1997 · For families
- Herkimer County Residential ARC HUD-assisted 198 E Clark St, Ilion 13357 7 homes, 6 low-income · For people with disabilities · (315) 866-2156
- Brook Street Group Home HUD-assisted 127 Brook St, Ilion 13357 6 low-income homes · For people with disabilities · (315) 866-2920
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 Herkimer County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 4 agencies serve in Herkimer County. Here is what the rules say:
The rules, with their source
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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
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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)
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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)
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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)
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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
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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 | $20,550 | $34,250 | $54,800 |
| 2 people | $23,500 | $39,150 | $62,650 |
| 3 people | $27,320 | $44,050 | $70,500 |
| 4 people | $33,000 | $48,950 | $78,300 |
| 5 people | $38,680 | $52,900 | $84,550 |
| 6 people | $44,360 | $56,800 | $90,850 |
| 7 people | $50,040 | $60,700 | $97,100 |
| 8 people | $55,720 | $64,600 | $103,400 |
Area median income: $98,500. HUD income limits by family size, Fiscal year 2026. Area: Utica-Rome, NY MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $771 – $943
- 1 bedroom $851 – $1,041
- 2 bedrooms $1,089 – $1,331
- 3 bedrooms $1,298 – $1,586
- 4 bedrooms $1,472 – $1,800
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
- Herkimer Housing Authority Public housing and Section 8 vouchers · 221 vouchers (315) 866-2252 Herkimer Housing Authority: rdowe@stoneridgeresidences.com
- Ilion Housing Authority Public housing and Section 8 vouchers · 154 vouchers (315) 894-2159 Ilion Housing Authority: cmcgrellis@ilionhousing.org
- Little Falls Housing Authority Section 8 vouchers · 145 vouchers (315) 823-2540 Little Falls Housing Authority: littlefallsha@gmail.com
- Dolgeville Housing Authority Section 8 vouchers · 23 vouchers (315) 429-9548 Dolgeville Housing Authority: dha53@verizon.net
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 Herkimer County
This is the nearest HUD-approved agency. They counsel for free or at low cost.
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Unhs Neighborworks Homeownership Center
1611 Genesee St, Utica · 39 miles away · Spanish
Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.
- Mortgage delinquency and default
- Budget and financial counseling
- and 7 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Herkimer 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
$2,420
What you need before you get the keys.
What adds up
- First month
- $1,210
- Security deposit
- $1,210
- Total
- $2,420
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 Herkimer County?
According to HUD (Fiscal year 2027): Studio: $857; 1 bedroom: $946; 2 bedrooms: $1,210; 3 bedrooms: $1,442; 4 bedrooms: $1,636. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Herkimer County?
Paying the 2-bedroom fair market rent ($1,210) without spending more than 30% of income takes $23.27 an hour full time, or $48,400 a year.
Who qualifies for Section 8 in Herkimer County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $48,950 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 Herkimer 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 $1,089 and $1,331 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Herkimer County?
For 2 bedrooms they run from $1,060 in 13324 to $1,310 in 13338. 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 Herkimer County?
HUD lists 14 properties with homes for low-income households in Herkimer 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 Herkimer County?
HUD counts rent as a burden when it reaches 30% of income or more. In Herkimer County, 41% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).