Renting · Section 8
Data from November 2026
Renting in Saratoga County, New York
Saratoga County has a HUD fair market rent of $1,711 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,394 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $32.90 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,711
- a month, HUD, Fiscal year 2027
- 29% less than in New York
- Typical rent
- $1,394
- a month, Census, Average 2020–2024
- 14% less than in New York
- Wage needed
- $32.90
- an hour, 2 bedrooms
- Or $68,440 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 Saratoga County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Saratoga County has the highest typical rent in its area: $1,394, more than any of its 6 neighboring counties; next is Rensselaer County ($1,217).
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At 41%, Saratoga County ranks 4th among the 62 counties in New York for the smallest share of rent-burdened renters.
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 Saratoga 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 Saratoga County was $1,846 a month in September 2026: 5.5% 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 | $1,238 | $23.81 | $49,520 |
| 1 bedroom | $1,425 | $27.40 | $57,000 |
| 2 bedrooms | $1,711 | $32.90 | $68,440 |
| 3 bedrooms | $2,039 | $39.21 | $81,560 |
| 4 bedrooms | $2,249 | $43.25 | $89,960 |
HUD area: Albany-Schenectady-Troy, 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 25 ZIP codes in Saratoga County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,540 in 12086 to $2,330 in 12866. 9 ZIP codes are above the county's fair market rent ($1,711).
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)
| 12019 | Albany-Schenectady-Troy, NY | $1,190 | $1,370 | $1,650 | $1,970 | $2,170 |
|---|---|---|---|---|---|---|
| 12020 | Albany-Schenectady-Troy, NY | $1,530 | $1,760 | $2,110 | $2,510 | $2,770 |
| 12027 | Albany-Schenectady-Troy, NY | $1,280 | $1,460 | $1,780 | $2,140 | $2,350 |
| 12065 | Albany-Schenectady-Troy, NY | $1,370 | $1,570 | $1,890 | $2,250 | $2,480 |
| 12074 | Albany-Schenectady-Troy, NY | $1,450 | $1,670 | $2,010 | $2,390 | $2,640 |
| 12086 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12086 | Fulton County, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12086 | Montgomery County, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12118 | Albany-Schenectady-Troy, NY | $1,130 | $1,300 | $1,560 | $1,860 | $2,050 |
| 12148 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12151 | Albany-Schenectady-Troy, NY | $1,610 | $1,860 | $2,230 | $2,660 | $2,930 |
| 12170 | Albany-Schenectady-Troy, NY | $1,260 | $1,450 | $1,740 | $2,070 | $2,290 |
| 12188 | Albany-Schenectady-Troy, NY | $1,190 | $1,370 | $1,650 | $1,970 | $2,170 |
| 12803 | Albany-Schenectady-Troy, NY | $1,150 | $1,320 | $1,590 | $1,890 | $2,090 |
| 12822 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12831 | Albany-Schenectady-Troy, NY | $1,270 | $1,460 | $1,750 | $2,090 | $2,300 |
| 12833 | Albany-Schenectady-Troy, NY | $1,200 | $1,380 | $1,660 | $1,980 | $2,180 |
| 12835 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12835 | Glens Falls, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12850 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12859 | Albany-Schenectady-Troy, NY | $1,330 | $1,530 | $1,840 | $2,190 | $2,420 |
| 12863 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12866 | Albany-Schenectady-Troy, NY | $1,690 | $1,940 | $2,330 | $2,780 | $3,060 |
| 12871 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
| 12884 | Albany-Schenectady-Troy, NY | $1,100 | $1,280 | $1,540 | $1,840 | $2,030 |
- 12019 · Albany-Schenectady-Troy, NY $1,650$1,970
- 12020 · Albany-Schenectady-Troy, NY $2,110$2,510
- 12027 · Albany-Schenectady-Troy, NY $1,780$2,140
- 12065 · Albany-Schenectady-Troy, NY $1,890$2,250
- 12074 · Albany-Schenectady-Troy, NY $2,010$2,390
- 12086 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12086 · Fulton County, NY $1,540$1,840
- 12086 · Montgomery County, NY $1,540$1,840
- 12118 · Albany-Schenectady-Troy, NY $1,560$1,860
- 12148 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12151 · Albany-Schenectady-Troy, NY $2,230$2,660
- 12170 · Albany-Schenectady-Troy, NY $1,740$2,070
- 12188 · Albany-Schenectady-Troy, NY $1,650$1,970
- 12803 · Albany-Schenectady-Troy, NY $1,590$1,890
- 12822 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12831 · Albany-Schenectady-Troy, NY $1,750$2,090
- 12833 · Albany-Schenectady-Troy, NY $1,660$1,980
- 12835 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12835 · Glens Falls, NY $1,540$1,840
- 12850 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12859 · Albany-Schenectady-Troy, NY $1,840$2,190
- 12863 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12866 · Albany-Schenectady-Troy, NY $2,330$2,780
- 12871 · Albany-Schenectady-Troy, NY $1,540$1,840
- 12884 · Albany-Schenectady-Troy, NY $1,540$1,840
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 Saratoga 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.
28,229 households rent in Saratoga County
- Spend half or more of their income 20%
- Spend 30% or more, but less than half 21%
- Spend less than 30% 59%
Compared with the state and the country
- Saratoga 41%
- New York 52%
- United States 51%
Low-income apartments
Low-income apartments in Saratoga County
HUD lists 27 properties with homes for low-income households in Saratoga 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)
- 18
- HUD-assisted
- 8
- public housing
- 1
1,962 homes in all; 1,701 of them low-income, according to HUD.
- Terrace Pines Tax credit (LIHTC) 110 Brookline Rd, Ballston Spa 12020 192 low-income homes · 1 bd: 38 · 2 bd: 126 · 3 bd: 28 · In service since 1997
- Jefferson / Vanderbilt Terrace Public housing 28C1 Jefferson Ter, Saratoga Springs 12866 163 low-income homes · Run by Saratoga Springs Housing Authority · Average payment: $630 a month · Average wait: 17 months · (518) 584-6600
- Embury Revitalization Tax credit (LIHTC) 133 Lawrence St, Saratoga Springs 12866 192 homes, 136 low-income · Studio: 72 · 1 bd: 104 · 2 bd: 16 · In service since 2010 · For older adults, people with disabilities
- Raymond Watkins Apartments HUD-assisted 57 Ballston Ave, Saratoga Springs 12866 111 low-income homes · For older adults · (901) 759-1855
- Westview Apts Tax credit (LIHTC) 125 West Ave, Saratoga Springs 12866 105 homes, 104 low-income · 1 bd: 76 · 2 bd: 29 · In service since 2007 · For older adults
- Mechanicville Housing LLC HUD-assisted 180 N Main St, Mechanicville 12118 101 homes, 100 low-income · For older adults · (518) 664-9897
- Midtown Apartments HUD-assisted 18 Riverview St, South Glens Falls 12803 101 homes, 100 low-income · For older adults · (732) 367-0129
- Doubleday Woods HUD-assisted 91 Church Ave, Ballston Spa 12020 96 homes, 95 low-income · For older adults · (518) 885-1900
- Clifton Park Senior Apts Tax credit (LIHTC) 579 Waite Rd, Rexford 12148 70 low-income homes · 1 bd: 64 · 2 bd: 6 · In service since 2010 · For older adults, people with disabilities
- Blue Heron Apartments Tax credit (LIHTC) 5101 Blue Heron Way, Ballston Spa 12020 60 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 12 · In service since 2017
- Sisson Reserve II Tax credit (LIHTC) 1 Stone Hill Drive, Moreau 12803 64 homes, 55 low-income · 1 bd: 16 · 2 bd: 15 · 3 bd: 29 · 4 bd: 4 · In service since 2015 · For families
- Landings at Halfmoon Tax credit (LIHTC) 1700 Lookout Ln, Halfmoon 12065 240 homes, 51 low-income · 1 bd: 60 · 2 bd: 140 · 3 bd: 40 · In service since 1998
- Bishop Hubbard Senior Apartments HUD-assisted 54 Katherine Dr, Halfmoon 12065 50 homes, 49 low-income · For older adults · (518) 459-0183
- Shenendehowa Village HUD-assisted 300 Solomon Ave, Clifton Park 12065 50 homes, 49 low-income · For older adults · (518) 373-1900
- Van Schoonhoven Square HUD-assisted 1 Van Schoonhoven Sq, Waterford 12188 41 homes, 40 low-income · For older adults · (518) 523-9670
- Northern Pines Senior Apts Tax credit (LIHTC) 120 Northern Pines Rd, Wilton 12831 36 low-income homes · 1 bd: 28 · 2 bd: 8 · In service since 2006 · For older adults
- Wilton Commons Senior Apts Tax credit (LIHTC) 100 Wilton Commons Dr, Wilton 12831 36 low-income homes · 1 bd: 25 · 2 bd: 11 · In service since 2001 · For older adults
- Ballston Pines Tax credit (LIHTC) 155 Rowland St, Ballston Spa 12020 32 low-income homes · 1 bd: 32 · In service since 1999 · For older adults
- Kirby Village Tax credit (LIHTC) 9 Kirby Rd, Saratoga Springs 12866 32 low-income homes · 1 bd: 32 · In service since 2004 · For older adults
- Malta Senior Citizen Apts Tax credit (LIHTC) 5 Applewood Dr, Malta 12019 32 low-income homes · 1 bd: 32 · In service since 1995 · For older adults
- Marina Woods Senior Housing Tax credit (LIHTC) 24 Martin Ct, Halfmoon 12065 32 low-income homes · 1 bd: 32 · In service since 2002 · For older adults
- Milton Treeview Apts Tax credit (LIHTC) 300 Northline Rd, Ballston Spa 12020 32 low-income homes · 1 bd: 32 · In service since 1997 · For older adults
- Northline Village Tax credit (LIHTC) 322 Northline Rd, Ballston Spa 12020 32 low-income homes · 1 bd: 32 · In service since 2002 · For older adults
- Saratoga West Apts Tax credit (LIHTC) 11 Kirby Rd, Saratoga Springs 12866 32 low-income homes · 1 bd: 32 · In service since 2000 · For older adults
- Schuylerville Manor Tax credit (LIHTC) 2 Morgans Run, Schuylerville 12871 24 low-income homes · 1 bd: 24 · In service since 1993 · For older adults
- Saratoga Community Residence Arc HUD-assisted 64 Washington St, Saratoga Springs 12866 6 low-income homes · For people with disabilities · (518) 587-0723
- Sisson Reserve I Tax credit (LIHTC) 1 Sand Hill DR, South Glens Falls 12803 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 Saratoga County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 28 agencies serve in Saratoga 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 | $25,900 | $43,100 | $68,950 |
| 2 people | $29,600 | $49,250 | $78,800 |
| 3 people | $33,300 | $55,400 | $88,650 |
| 4 people | $36,950 | $61,550 | $98,500 |
| 5 people | $39,950 | $66,500 | $106,400 |
| 6 people | $44,360 | $71,400 | $114,300 |
| 7 people | $50,040 | $76,350 | $122,150 |
| 8 people | $55,720 | $81,250 | $130,050 |
Area median income: $123,100. HUD income limits by family size, Fiscal year 2026. Area: Albany-Schenectady-Troy, NY MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,114 – $1,362
- 1 bedroom $1,283 – $1,568
- 2 bedrooms $1,540 – $1,882
- 3 bedrooms $1,835 – $2,243
- 4 bedrooms $2,024 – $2,474
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
- Saratoga Springs Housing Authority Public housing and Section 8 vouchers · 342 vouchers · 163 public housing units (518) 584-6600 Saratoga Springs Housing Authority: ksicko@sspha.org
- Town of Colonie Section 8 vouchers · 445 vouchers (518) 372-4739 Town of Colonie: section8@jeminc.com
- Mechanicville Housing Authority Public housing and Section 8 vouchers · 345 vouchers (518) 664-9897 Mechanicville Housing Authority: jenzien@mechanicvillehousing.org
- Town of Rotterdam Section 8 vouchers · 249 vouchers (518) 372-4739 Town of Rotterdam: section8@jeminc.com
- Fort Plain Housing Agency Section 8 vouchers · 246 vouchers (518) 372-8846 Fort Plain Housing Agency: section8@jeminc.com
- Village of Ballston Spa Section 8 vouchers · 168 vouchers (518) 372-4739 Village of Ballston Spa: section8@jeminc.com
- City of Johnstown Section 8 vouchers · 144 vouchers (518) 372-4739 City of Johnstown: section8@jeminc.com
- Town of Stillwater Section 8 vouchers · 138 vouchers (518) 372-4739 Town of Stillwater: section8@jeminc.com
- Town of Guilderland Section 8 vouchers · 114 vouchers (518) 372-4739 Town of Guilderland: section8@jeminc.com
- Village of Scotia Section 8 vouchers · 110 vouchers (518) 372-4739 Village of Scotia: section8@jeminc.com
- Village of Corinth Section 8 vouchers · 94 vouchers (518) 372-4739 Village of Corinth: section8@jeminc.com
- Village of Highland Falls Section 8 vouchers · 84 vouchers (518) 372-8846 Village of Highland Falls: section8@jeminc.com
- Town of Coeymans Section 8 vouchers · 81 vouchers (518) 372-4739 Town of Coeymans: section8@jeminc.com
- Town of Clifton Park Section 8 vouchers · 67 vouchers (518) 372-4739 Town of Clifton Park: section8@jeminc.com
- Village of Canajoharie Section 8 vouchers · 63 vouchers (518) 673-2203 Village of Canajoharie: cjhouse@albany.twcbc.com
- Town of Bethlehem Section 8 vouchers · 63 vouchers (518) 372-4739 Town of Bethlehem: section8@jeminc.com
- Town of Glenville Section 8 vouchers · 63 vouchers (518) 372-4739 Town of Glenville: section8@jeminc.com
- Village of Waterford Section 8 vouchers · 58 vouchers (518) 372-4739 Village of Waterford: section8@jeminc.com
- Town of Niskayuna Section 8 vouchers · 49 vouchers (518) 372-4739 Town of Niskayuna: section8@jeminc.com
- Village of Green Island Section 8 vouchers · 49 vouchers (518) 372-8846 Village of Green Island: section8@jeminc.com
- Town of Schodack Section 8 vouchers · 46 vouchers (518) 372-4739 Town of Schodack: section8@jeminc.com
- Town of Waterford Section 8 vouchers · 45 vouchers (518) 372-4739 Town of Waterford: section8@jeminc.com
- Town of Hadley Section 8 vouchers · 36 vouchers (518) 372-4739 Town of Hadley: section8@jeminc.com
- Town of Wilton Section 8 vouchers · 34 vouchers (518) 885-0091 Town of Wilton: section8@jeminc.com
- Town of Nassau Section 8 vouchers · 34 vouchers (518) 372-4739 Town of Nassau: section8@jeminc.com
- Town of Corinth Section 8 vouchers · 31 vouchers (518) 372-4739 Town of Corinth: section8@jeminc.com
- Town of Knox Section 8 vouchers · 23 vouchers (518) 372-4739 Town of Knox: section8@jeminc.com
- Town of Duanesburg Section 8 vouchers · 18 vouchers (518) 372-4739 Town of Duanesburg: section8@jeminc.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 Saratoga County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)
816 Union St, Schenectady · 21 miles away · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 4 more
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Troy Rehabilitation and Improvement Program
415 River St Ste 2, Troy · 27 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
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Affordable Housing Partnership
255 Orange St Ste 105, Albany · 31 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Saratoga 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
$3,422
What you need before you get the keys.
What adds up
- First month
- $1,711
- Security deposit
- $1,711
- Total
- $3,422
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 Saratoga County?
According to HUD (Fiscal year 2027): Studio: $1,238; 1 bedroom: $1,425; 2 bedrooms: $1,711; 3 bedrooms: $2,039; 4 bedrooms: $2,249. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Saratoga County?
Paying the 2-bedroom fair market rent ($1,711) without spending more than 30% of income takes $32.90 an hour full time, or $68,440 a year.
Who qualifies for Section 8 in Saratoga County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $61,550 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 Saratoga 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 $1,540 and $1,882 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Saratoga County?
For 2 bedrooms they run from $1,540 in 12086 to $2,330 in 12866. 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 Saratoga County?
HUD lists 27 properties with homes for low-income households in Saratoga 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 Saratoga County?
HUD counts rent as a burden when it reaches 30% of income or more. In Saratoga County, 41% of renter households are in that position; in New York, 52%, and nationwide, 51% (Average 2020–2024, Census).