Renting · Section 8
Data from November 2026
Renting in Oneida County, New York
Oneida 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 $944 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
- $944
- a month, Census, Average 2020–2024
- 42% 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
- 46%
- spend 30% or more of income on rent
- 12% 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 Oneida 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 Oneida County was $1,441 a month in September 2026: 4.6% 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 | $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 54 ZIP codes in Oneida County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,060 in 13309 to $1,610 in 13403. 34 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)
| 13042 | Syracuse, NY | $1,070 | $1,200 | $1,510 | $1,820 | $2,010 |
|---|---|---|---|---|---|---|
| 13042 | Utica-Rome, NY | $1,070 | $1,200 | $1,510 | $1,820 | $2,010 |
| 13054 | Utica-Rome, NY | $860 | $950 | $1,220 | $1,450 | $1,650 |
| 13123 | Utica-Rome, NY | $990 | $1,100 | $1,400 | $1,670 | $1,870 |
| 13157 | Utica-Rome, NY | $870 | $910 | $1,170 | $1,390 | $1,580 |
| 13162 | Utica-Rome, NY | $860 | $960 | $1,220 | $1,460 | $1,650 |
| 13301 | Utica-Rome, NY | $900 | $930 | $1,170 | $1,410 | $1,620 |
| 13303 | Utica-Rome, NY | $870 | $960 | $1,230 | $1,470 | $1,660 |
| 13304 | Utica-Rome, NY | $810 | $860 | $1,090 | $1,310 | $1,480 |
| 13308 | Utica-Rome, NY | $950 | $1,020 | $1,310 | $1,560 | $1,770 |
| 13309 | Lewis County, NY | $810 | $840 | $1,060 | $1,270 | $1,490 |
| 13309 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,490 |
| 13313 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13316 | Lewis County, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13316 | Syracuse, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13316 | Utica-Rome, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13318 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13319 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13321 | Utica-Rome, NY | $950 | $1,050 | $1,340 | $1,600 | $1,810 |
| 13323 | Utica-Rome, NY | $1,020 | $1,130 | $1,440 | $1,720 | $1,950 |
| 13328 | Utica-Rome, NY | $860 | $960 | $1,220 | $1,460 | $1,650 |
| 13352 | Utica-Rome, NY | $810 | $840 | $1,080 | $1,290 | $1,470 |
| 13354 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13363 | Utica-Rome, NY | $1,090 | $1,130 | $1,430 | $1,710 | $1,980 |
| 13403 | Utica-Rome, NY | $1,140 | $1,260 | $1,610 | $1,920 | $2,180 |
| 13413 | Utica-Rome, NY | $1,020 | $1,130 | $1,440 | $1,720 | $1,950 |
| 13417 | Utica-Rome, NY | $810 | $870 | $1,110 | $1,320 | $1,500 |
| 13424 | Utica-Rome, NY | $810 | $840 | $1,080 | $1,290 | $1,470 |
| 13425 | Syracuse, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13425 | Utica-Rome, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13435 | Utica-Rome, NY | $810 | $840 | $1,080 | $1,290 | $1,470 |
| 13438 | Utica-Rome, NY | $810 | $840 | $1,080 | $1,290 | $1,470 |
| 13440 | Utica-Rome, NY | $890 | $980 | $1,250 | $1,490 | $1,690 |
| 13441 | Utica-Rome, NY | $890 | $980 | $1,250 | $1,490 | $1,690 |
| 13455 | Utica-Rome, NY | $820 | $900 | $1,150 | $1,370 | $1,560 |
| 13456 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13461 | Utica-Rome, NY | $1,020 | $1,130 | $1,440 | $1,720 | $1,950 |
| 13469 | Utica-Rome, NY | $1,030 | $1,130 | $1,450 | $1,730 | $1,960 |
| 13471 | Lewis County, NY | $1,010 | $1,110 | $1,420 | $1,690 | $1,920 |
| 13471 | Utica-Rome, NY | $1,010 | $1,110 | $1,420 | $1,690 | $1,920 |
| 13476 | Utica-Rome, NY | $820 | $910 | $1,160 | $1,380 | $1,570 |
| 13477 | Utica-Rome, NY | $810 | $840 | $1,060 | $1,270 | $1,470 |
| 13478 | Utica-Rome, NY | $810 | $880 | $1,130 | $1,350 | $1,530 |
| 13480 | Syracuse, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13480 | Utica-Rome, NY | $900 | $1,020 | $1,260 | $1,530 | $1,670 |
| 13483 | Syracuse, NY | $1,020 | $1,130 | $1,440 | $1,720 | $1,950 |
| 13483 | Utica-Rome, NY | $1,020 | $1,130 | $1,440 | $1,720 | $1,950 |
| 13486 | Utica-Rome, NY | $950 | $1,050 | $1,340 | $1,600 | $1,810 |
| 13490 | Utica-Rome, NY | $880 | $970 | $1,240 | $1,470 | $1,670 |
| 13492 | Utica-Rome, NY | $880 | $970 | $1,240 | $1,480 | $1,680 |
| 13494 | Utica-Rome, NY | $910 | $960 | $1,230 | $1,470 | $1,660 |
| 13495 | Utica-Rome, NY | $890 | $980 | $1,250 | $1,490 | $1,690 |
| 13501 | Utica-Rome, NY | $830 | $910 | $1,170 | $1,390 | $1,580 |
| 13502 | Utica-Rome, NY | $920 | $1,020 | $1,300 | $1,550 | $1,760 |
- 13042 · Syracuse, NY $1,510$1,820
- 13042 · Utica-Rome, NY $1,510$1,820
- 13054 · Utica-Rome, NY $1,220$1,450
- 13123 · Utica-Rome, NY $1,400$1,670
- 13157 · Utica-Rome, NY $1,170$1,390
- 13162 · Utica-Rome, NY $1,220$1,460
- 13301 · Utica-Rome, NY $1,170$1,410
- 13303 · Utica-Rome, NY $1,230$1,470
- 13304 · Utica-Rome, NY $1,090$1,310
- 13308 · Utica-Rome, NY $1,310$1,560
- 13309 · Lewis County, NY $1,060$1,270
- 13309 · Utica-Rome, NY $1,060$1,270
- 13313 · Utica-Rome, NY $1,060$1,270
- 13316 · Lewis County, NY $1,260$1,530
- 13316 · Syracuse, NY $1,260$1,530
- 13316 · Utica-Rome, NY $1,260$1,530
- 13318 · Utica-Rome, NY $1,060$1,270
- 13319 · Utica-Rome, NY $1,060$1,270
- 13321 · Utica-Rome, NY $1,340$1,600
- 13323 · Utica-Rome, NY $1,440$1,720
- 13328 · Utica-Rome, NY $1,220$1,460
- 13352 · Utica-Rome, NY $1,080$1,290
- 13354 · Utica-Rome, NY $1,060$1,270
- 13363 · Utica-Rome, NY $1,430$1,710
- 13403 · Utica-Rome, NY $1,610$1,920
- 13413 · Utica-Rome, NY $1,440$1,720
- 13417 · Utica-Rome, NY $1,110$1,320
- 13424 · Utica-Rome, NY $1,080$1,290
- 13425 · Syracuse, NY $1,260$1,530
- 13425 · Utica-Rome, NY $1,260$1,530
- 13435 · Utica-Rome, NY $1,080$1,290
- 13438 · Utica-Rome, NY $1,080$1,290
- 13440 · Utica-Rome, NY $1,250$1,490
- 13441 · Utica-Rome, NY $1,250$1,490
- 13455 · Utica-Rome, NY $1,150$1,370
- 13456 · Utica-Rome, NY $1,060$1,270
- 13461 · Utica-Rome, NY $1,440$1,720
- 13469 · Utica-Rome, NY $1,450$1,730
- 13471 · Lewis County, NY $1,420$1,690
- 13471 · Utica-Rome, NY $1,420$1,690
- 13476 · Utica-Rome, NY $1,160$1,380
- 13477 · Utica-Rome, NY $1,060$1,270
- 13478 · Utica-Rome, NY $1,130$1,350
- 13480 · Syracuse, NY $1,260$1,530
- 13480 · Utica-Rome, NY $1,260$1,530
- 13483 · Syracuse, NY $1,440$1,720
- 13483 · Utica-Rome, NY $1,440$1,720
- 13486 · Utica-Rome, NY $1,340$1,600
- 13490 · Utica-Rome, NY $1,240$1,470
- 13492 · Utica-Rome, NY $1,240$1,480
- 13494 · Utica-Rome, NY $1,230$1,470
- 13495 · Utica-Rome, NY $1,250$1,490
- 13501 · Utica-Rome, NY $1,170$1,390
- 13502 · Utica-Rome, NY $1,300$1,550
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 Oneida 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.
30,785 households rent in Oneida County
- Spend half or more of their income 25%
- Spend 30% or more, but less than half 22%
- Spend less than 30% 54%
Compared with the state and the country
- Oneida 46%
- New York 52%
- United States 51%
Low-income apartments
Low-income apartments in Oneida County
HUD lists 58 properties with homes for low-income households in Oneida 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)
- 30
- HUD-assisted
- 24
- public housing
- 6
4,439 homes in all; 4,180 of them low-income, according to HUD.
- Adrean Terr.,nd Peters, & FX Matts Public housing 1736 Armory Dr, Utica 13501 333 low-income homes · Run by Utica Housing Authority · Average payment: $398 a month · Average wait: 13 months · (315) 735-5246
- Gillmore/Humphrey/Hamilton/Dup Public housing 929 Hillcrest Ave, Utica 13502 341 homes, 331 low-income · Run by Utica Housing Authority · Average payment: $477 a month · Average wait: 15 months · Homes at several sites · (315) 735-5246
- Kennedy Plaza Apts Tax credit (LIHTC) 700 Cornelia ST, Utica 13502 204 homes, 200 low-income · Studio: 40 · 1 bd: 164 · In service since 2011
- Park Drive Manor II HUD-assisted 430 W Park St, Rome 13440 168 homes, 167 low-income · For families · (315) 337-1401
- Roosevelt Residences Tax credit (LIHTC) · Public housing 509 2nd St, Utica 13501 163 homes, 158 low-income · 1 bd: 6 · 2 bd: 23 · 3 bd: 19 · 4 bd: 2 · In service since 2020 · Run by Utica Housing Authority · Average payment: $354 a month · Average wait: 11 months · (315) 735-5246
- Clinton Mohawk Apts Tax credit (LIHTC) · HUD-assisted 52 Franklin Ave, Clinton 13323 140 homes, 137 low-income · 1 bd: 127 · 2 bd: 13 · In service since 2011 · For people with disabilities · (315) 337-1401
- Six Nations Apts HUD-assisted 609 Jay St, Utica 13501 136 homes, 133 low-income · For families · (315) 732-3438
- Madison Plaza Tax credit (LIHTC) 100 N Madison St, Rome 13440 127 homes, 120 low-income · Studio: 29 · 1 bd: 48 · 2 bd: 50 · In service since 2009
- Mary D Buck Memorial Apartments HUD-assisted 10 Clinton St, Whitesboro 13492 120 homes, 119 low-income · For older adults · (315) 768-8507
- Historical Park Apts. HUD-assisted 100 Rutger St, Utica 13501 121 homes, 110 low-income · For older adults · (315) 424-0200
- Clinton Manor Apts HUD-assisted 50 Franklin Ave, Clinton 13323 101 homes, 100 low-income · For older adults · (315) 337-1401
- Country Club Court Apartments HUD-assisted 10 Pulaski St, New York Mills 13417 101 homes, 100 low-income · For older adults · (315) 736-8681
- Steinhorst Apts HUD-assisted 612 South St, Utica 13501 100 homes, 99 low-income · For older adults · (315) 793-0244
- Valentine Apts. Public housing 152 Turin St, Rome 13440 99 low-income homes · Run by Rome Housing Authority · Average payment: $403 a month · Average wait: 5 months · (315) 337-2600
- The Brook Apartments HUD-assisted 2420 Oneida St, Utica 13501 98 homes, 97 low-income · For older adults · (781) 356-2719
- Chancellor Apts. HUD-assisted 417 Bleecker St, Utica 13501 93 low-income homes · For older adults · (315) 735-5246
- Meadows at Middle Settlement Tax credit (LIHTC) 4310 Middle Settlement Rd, New Hartford 13413 93 low-income homes · Studio: 93 · In service since 2019
- Kennedy Plaza Low-Rise Apts Tax credit (LIHTC) 700 Cornelia ST, Utica 13502 88 low-income homes · 1 bd: 5 · 2 bd: 83 · In service since 2011
- Margaret Knamm Apartments HUD-assisted 33 Scott St, Utica 13501 85 homes, 84 low-income · For older adults · (315) 768-8507
- Colonial Apartments 1 Revitalization Tax credit (LIHTC) 203 Saint Peters Ave, Rome 13440 83 low-income homes · Studio: 11 · 1 bd: 72 · In service since 2019
- Georgian Arms Apartments HUD-assisted 119 N George St, Rome 13440 81 homes, 80 low-income · For older adults · (315) 337-1401
- Liberty Gardens Revitalization I Tax credit (LIHTC) 200 N Levitt St, Rome 13440 78 low-income homes · 1 bd: 14 · 2 bd: 24 · 3 bd: 35 · 4 bd: 5 · In service since 2012
- Genesee Towers HUD-assisted 110 Genesee St, Utica 13502 66 low-income homes · For older adults · (315) 768-8507
- Macartovin Apts HUD-assisted 7 Devereux St, Utica 13501 66 homes, 65 low-income · For older adults · (716) 246-4156
- Michael Walsh HUD-assisted 1216 Gray Ave, Utica 13502 124 homes, 61 low-income · For families · (315) 724-6500
- Starting Line Apartments Tax credit (LIHTC) 1914 Dwyer Ave, Utica 13501 60 low-income homes · 1 bd: 54 · 2 bd: 6 · In service since 2020 · For families
- Brandegee Gardens HUD-assisted 827 Jay St, Utica 13501 56 low-income homes · For families · (315) 768-8507
- Schoolhouse Apartments HUD-assisted 145 Stafford Ave, Waterville 13480 56 homes, 55 low-income · For families · (716) 246-4156
- MT. CARMEL Apartments HUD-assisted 659 Catherine St, Utica 13501 53 low-income homes · For older adults · (315) 797-1050
- Liberty Gardens III Revitalization Tax credit (LIHTC) 200 N Levitt St, Rome 13440 52 low-income homes · 2 bd: 42 · 3 bd: 4 · In service since 2014
- Jason Gwilt Memorial Senior Apartments Tax credit (LIHTC) 6734 Ny 13, Verona 13162 50 low-income homes · 1 bd: 44 · 2 bd: 6 · In service since 2020 · For older adults, people with disabilities, people experiencing homelessness
- Asteri Utica Tax credit (LIHTC) 327 Bleecker St, Utica 13501 49 low-income homes · 1 bd: 42 · 2 bd: 7 · In service since 2019
- Steuben Village Tax credit (LIHTC) 1122 Howard Ave, Utica 13501 49 low-income homes · 1 bd: 10 · 2 bd: 14 · 3 bd: 17 · 4 bd: 8 · In service since 2005 · For families
- Lillian Y. Cooper Memorial Apartments HUD-assisted 276 Genesee St, Utica 13502 49 homes, 48 low-income · For older adults · (315) 768-8507
- Rome Mall Apartments HUD-assisted 146 W Dominick St, Rome 13440 45 homes, 44 low-income · For older adults · (315) 424-1822
- Village Point Apts HUD-assisted 2 Paris Rd, New Hartford 13413 45 homes, 44 low-income · For older adults · (315) 768-8507
- Academy Square Project Tax credit (LIHTC) 305 Elizabeth St, Utica 13501 44 low-income homes · 1 bd: 21 · 2 bd: 23 · In service since 1992 · For families
- West Street Apartments Tax credit (LIHTC) 1013 West St, Utica 13501 42 low-income homes · 1 bd: 36 · 2 bd: 6 · In service since 2018 · For families, people experiencing homelessness
- Kortenaer Village HUD-assisted 115 South St, Boonville 13309 64 homes, 40 low-income · For older adults · (315) 942-5447
- Noyes Manor HUD-assisted 600 W Hinds Ave, Sherrill 13461 40 low-income homes · For older adults · (315) 363-0074
- Kemble Square Tax credit (LIHTC) 724 Noyes St, Utica 13502 37 low-income homes · 1 bd: 9 · 2 bd: 8 · 3 bd: 11 · 4 bd: 9 · In service since 2010 · For families, people experiencing homelessness
- Canal Village Tax credit (LIHTC) 416 S James St, Rome 13440 33 low-income homes · 1 bd: 8 · 2 bd: 8 · 3 bd: 12 · 4 bd: 5 · In service since 2010 · For people with disabilities, families, people experiencing homelessness
- New York Mills Senior Center Tax credit (LIHTC) 348 Main St, New York Mills 13417 33 low-income homes · 1 bd: 29 · 2 bd: 4 · In service since 2007 · For older adults
- Rutger Manor Tax credit (LIHTC) 1518 West St, Utica 13501 33 low-income homes · 2 bd: 9 · 3 bd: 12 · 4 bd: 12 · In service since 2007 · For people with disabilities, families, people experiencing homelessness
- Marion Manor Estates Tax credit (LIHTC) 130 Marion Mnr, Oneida 13421 28 low-income homes · 1 bd: 2 · 2 bd: 24 · 3 bd: 2 · In service since 2006 · For people with disabilities, families
- Kembleton Tax credit (LIHTC) 1234 Kemble St, Utica 13501 27 low-income homes · 1 bd: 10 · 2 bd: 9 · 3 bd: 2 · 4 bd: 6 · In service since 2004 · For people with disabilities, families
- Steuben Village Public housing 1104 Howard Ave, Utica 13501 49 homes, 25 low-income · Run by Utica Housing Authority · Average payment: $422 a month · Average wait: 13 months · Homes at several sites · (315) 735-5246
- Mayfield Project I Tax credit (LIHTC) 1553 Oneida St, Utica 13501 23 low-income homes · 1 bd: 1 · 2 bd: 7 · 3 bd: 12 · 4 bd: 3 · In service since 1998 · For families
- Rutger Manor Public housing 1512 West St, Utica 13501 33 homes, 21 low-income · Run by Utica Housing Authority · Homes at several sites · (315) 735-5246
- Mayfield Project II Tax credit (LIHTC) 1507 Oneida St, Utica 13501 17 low-income homes · 1 bd: 1 · 2 bd: 1 · 3 bd: 9 · 4 bd: 6 · In service since 1999 · For families
- Mayfield Project III Tax credit (LIHTC) 1520 Oneida St, Utica 13501 16 low-income homes · 2 bd: 5 · 3 bd: 10 · 4 bd: 1 · In service since 2001 · For families
- School Bell Apts Tax credit (LIHTC) 4330 Peterboro St, Vernon 13476 16 low-income homes · 1 bd: 14 · 2 bd: 2 · In service since 1999 · For older adults
- Village Apts Tax credit (LIHTC) 9646 Maple Ave, Remsen 13438 16 low-income homes · 1 bd: 4 · 2 bd: 8 · 3 bd: 4 · In service since 2007 · For people with disabilities, families
- Mayfield Project IV Tax credit (LIHTC) 1420 Oneida St, Utica 13501 15 low-income homes · 2 bd: 3 · 3 bd: 6 · 4 bd: 6 · In service since 2003 · For families
- Willow Commons Tax credit (LIHTC) 720 Noyes St, Utica 13502 15 low-income homes · 1 bd: 3 · 2 bd: 4 · 3 bd: 8 · In service since 2006 · For families
- Shelto Inc. HUD-assisted 6740 Lawrence St, Rome 13440 7 homes, 5 low-income · For people with disabilities · (315) 735-6477
- Liberty Gardens Revitalization II Tax credit (LIHTC) 200 N Levitt St, Rome 13440 50 homes · In service since 2013
- Genesee Crossing Tax credit (LIHTC) 1323 Francis St, Utica 13502 28 homes · In service since 2014 · For older adults, people experiencing homelessness
2 properties have two programs at the same address and appear 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 Oneida County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 5 agencies serve in Oneida 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 | $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
- City of Utica Section 8 vouchers · 1,292 vouchers (315) 792-0199 City of Utica: swah@cityofutica.com
- Utica Housing Authority Public housing and Section 8 vouchers · 369 vouchers · 904 public housing units (315) 735-5246 Utica Housing Authority: spenge@peoplefirstny.org
- Rome Housing Authority Public housing and Section 8 vouchers · 865 vouchers · 99 public housing units (315) 337-2600 Rome Housing Authority: t.lucia@romeha.com
- Village of New Hartford Section 8 vouchers · 419 vouchers (315) 525-4058 Village of New Hartford: nhartung@mvcaa.com
- Boonville Housing Authority Section 8 vouchers · 34 vouchers (315) 942-5447 Boonville Housing Authority: bhasect8@frontiernet.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 Oneida County
This HUD-approved agency has an office in Oneida County. They counsel for free or at low cost.
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Unhs Neighborworks Homeownership Center
1611 Genesee St, Utica · 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 Oneida 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 Oneida 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 Oneida 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 Oneida 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 Oneida 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 Oneida County?
For 2 bedrooms they run from $1,060 in 13309 to $1,610 in 13403. 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 Oneida County?
HUD lists 58 properties with homes for low-income households in Oneida 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 Oneida County?
HUD counts rent as a burden when it reaches 30% of income or more. In Oneida County, 46% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).