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Section 8 · Saratoga County

Data from November 2026

How much does Section 8 pay in Saratoga County, New York?

HUD sets the 2-bedroom fair market rent in Saratoga County at $1,711 a month (Fiscal year 2027). From that figure, your housing agency sets its payment standard, which as a rule runs from $1,540 to $1,882. The voucher pays up to that standard, minus your share: generally 30% of your adjusted monthly income.

By ZIP codeHow to apply
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Fair market rent, 2 bedrooms
$1,711
a month, HUD, Fiscal year 2027
29% less than in New York
Possible payment standard, 2 BR
$1,540 – $1,882
90% to 110% of the fair market rent
By ZIP code, 2 BR
$1,540 – $2,330
across 22 ZIP codes
Section 8 vouchers
3,239
at 28 agencies based here

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Public Housing Agencies (HUD) Retrieved November 6, 2026 Public Housing Agencies (HUD)

Only here

Section 8 in Saratoga County: what sets it apart

What this place has that others do not, from public data, most unusual first.

  1. Next door, in Fulton County, HUD sets the 2-bedroom fair market rent at $1,051: 39% less than in Saratoga County ($1,711).

  2. Across the 22 ZIP codes in Saratoga County, the 2-bedroom ZIP code fair market rent runs from $1,540 in 12086 to $2,330 in 12866: 51% more.

  3. Housing agencies based in Saratoga County hold 3,239 vouchers: 11.5 for every 100 renter households. Only 3 of the 40 counties in New York with vouchers have more per household.

Sources: HUD (Fiscal year 2027); HUD (Fiscal year 2027); HUD (Retrieved November 6, 2026); U.S. Census Bureau (Average 2020–2024).

Fair market rent and payment standard

What the voucher can pay, by size

Each year HUD publishes a fair market rent (FMR) for each home size in Saratoga County. Your housing agency uses it to set its payment standard: the most the voucher can pay toward rent and utilities.

  • 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
  • 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)
  • Above 110% is an exception payment standard. Up to 120%, the agency only has to notify HUD that it meets certain criteria. 24 CFR §982.503(d)
Fair market rent and possible payment standard HUD fair market rent by size and the basic payment-standard range (90% to 110% of the fair market rent), Fiscal year 2027.
Size Fair rent per month Possible payment standard
Studio $1,238 $1,114 – $1,362
1 bedroom $1,425 $1,283 – $1,568
2 bedrooms $1,711 $1,540 – $1,882
3 bedrooms $2,039 $1,835 – $2,243
4 bedrooms $2,249 $2,024 – $2,474

HUD area: Albany-Schenectady-Troy, NY MSA. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent of each ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 22 ZIP codes in Saratoga County (Fiscal year 2027). Where they are used, they are the basis of your home’s payment standard.

For 2 bedrooms they run from $1,540 in 12086 to $2,330 in 12866. With the 90% to 110% rule, the payment standard could run from $1,386 to $1,694 in 12086 and from $2,097 to $2,563 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. 24 CFR §982.503(a)(1)

Lowest and highest, by size

  • Studio $1,100 – $1,690
  • 1 bedroom $1,280 – $1,940
  • 2 bedrooms $1,540 – $2,330
  • 3 bedrooms $1,840 – $2,780
  • 4 bedrooms $2,030 – $3,060
Fair market rent by ZIP code and size, in ZIP code order, Fiscal year 2027. HUD area: Albany-Schenectady-Troy, NY.
ZIP code Studio1 bd2 bd3 bd4 bd
12019$1,190$1,370$1,650$1,970$2,170
12020$1,530$1,760$2,110$2,510$2,770
12027$1,280$1,460$1,780$2,140$2,350
12065$1,370$1,570$1,890$2,250$2,480
12074$1,450$1,670$2,010$2,390$2,640
12086$1,100$1,280$1,540$1,840$2,030
12118$1,130$1,300$1,560$1,860$2,050
12148$1,100$1,280$1,540$1,840$2,030
12151$1,610$1,860$2,230$2,660$2,930
12170$1,260$1,450$1,740$2,070$2,290
12188$1,190$1,370$1,650$1,970$2,170
12803$1,150$1,320$1,590$1,890$2,090
12822$1,100$1,280$1,540$1,840$2,030
12831$1,270$1,460$1,750$2,090$2,300
12833$1,200$1,380$1,660$1,980$2,180
12835$1,100$1,280$1,540$1,840$2,030
12850$1,100$1,280$1,540$1,840$2,030
12859$1,330$1,530$1,840$2,190$2,420
12863$1,100$1,280$1,540$1,840$2,030
12866$1,690$1,940$2,330$2,780$3,060
12871$1,100$1,280$1,540$1,840$2,030
12884$1,100$1,280$1,540$1,840$2,030

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD)

How it is figured

What the voucher pays and what you pay

The housing agency pays the owner directly. This is how it is figured, under HUD’s rules:

  1. The payment standard is the most the voucher pays. The agency pays the lower of the payment standard minus your share, or the rent with utilities minus your share. 24 CFR §982.505(a), (b)

  2. Your share (the total tenant payment) is the highest of 30% of your adjusted monthly income, 10% of your monthly income, the part of public assistance set aside for housing, or the minimum rent. 24 CFR §5.628(a)

  3. 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)

  4. 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 §982.305(a)(5), §982.508

An example with HUD’s figures in Saratoga County

A family of 4 earning HUD’s extremely low income limit in Saratoga County has $36,950 a year, about $3,079 a month. 30% of that income is $924. Since adjusted income is the same or lower, the family’s share would generally not be more than that. If the agency sets the payment standard equal to the fair market rent ($1,711) and the 2-bedroom home rents for that, the voucher would pay about $787 or more.

Rent, equal to the fair market rent
$1,711
Family share, at most
$924
Voucher payment, at least
$787

This is only an example. Your agency figures your adjusted income, the home size you get and its own payment standard. Sources: HUD fair market rent (Fiscal year 2027) and HUD income limits (Fiscal year 2026).

How to apply

Where and how to ask for a voucher in Saratoga County

28 housing agencies are based in Saratoga County. This is how you apply:

  • 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
  • Because demand is high, you may need to sign up on several waiting lists. You do not need to live where you apply. HUD
  • Generally, your family must have very low income: no more than 50% of the area median income. In Saratoga County, for a family of 4 that limit is $61,550 a year (Fiscal year 2026). 24 CFR §5.603, §982.201(b)

How much can you earn? Check your case Section 8 and mixed-status families: how it worksRental help and public charge: what the rules sayHow to avoid rental scams: the signs and what to do

Housing agencies that serve this place

Housing agencies in New York HUD list of housing agencies Source: HUD, Retrieved November 6, 2026

Frequently asked questions

How much does Section 8 pay for 2 bedrooms in Saratoga County?

It depends on your agency’s payment standard and your income. HUD sets the 2-bedroom fair market rent at $1,711 (Fiscal year 2027), and the basic payment standard can run from $1,540 to $1,882. The voucher pays up to that standard minus your share.

How much do I pay with a voucher?

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. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income.

Does the payment standard change by ZIP code in Saratoga County?

For 2 bedrooms they run from $1,540 in 12086 to $2,330 in 12866. With the 90% to 110% rule, the payment standard could run from $1,386 to $1,694 in 12086 and from $2,097 to $2,563 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.

Where do I apply for Section 8 in Saratoga County?

At a public housing agency. 28 are based in Saratoga County, such as Saratoga Springs Housing Authority and Town of Colonie. If you qualify, your name usually goes on a waiting list. You can sign up on several: you do not need to live where you apply.

Who qualifies for Section 8 in Saratoga County?

Generally, your family must have very low income: no more than 50% of the area median income. In Saratoga County, for a family of 4 that limit is $61,550 a year (Fiscal year 2026).