13028 Bernhards Bay, NY Fair Market Rent

What the FMR for ZIP 13028 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 13028 (Bernhards Bay, NY) is covered by Syracuse, NY MSA, so FY 2026 figures here are ZIP-specific: $1,000 for a 1-bedroom, studio $910, 2-bedroom $1,250, 3-bedroom $1,510, and 4-bedroom $1,690. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in Oswego can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 4% above the US average of $959, and 24% below the NY state average of $1,315.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $1,000, that implies a household income of $40,000 per year (about $3,333/month) to avoid being cost-burdened, a 2-bedroom at $1,250 lifts that threshold higher still. ZIP 13028 has a population of 1,350 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).