Location: Columbia County, NY | Metro: Columbia County, NY
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,140 |
| 1 Bedroom | $1,180 |
| 2 Bedrooms | $1,360 |
| 3 Bedrooms | $1,660 |
| 4 Bedrooms | $1,790 |
| 5 Bedrooms | $2,076 |
| 6 Bedrooms | $2,325 |
| 7 Bedrooms | $2,511 |
| 8 Bedrooms | $2,637 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,360 | $299,236 | 0.45% | F |
| 3BR | $1,660 | $313,823 | 0.53% | F |
U.S. Census Bureau data (2024)
The ZIP code 12130, located in Niverville, NY within the Columbia County, NY metro, presents a unique profile when compared against typical ZIP codes in the area. With a Fair Market Rent (FMR) of $1,330 for fiscal year 2026, it stands out given that the market rent data is currently unavailable. This suggests that 12130 may be slightly above average in terms of rental costs, assuming market rents align closely with FMRs.
The median home value in 12130 is $292,128, which is lower than many other ZIP codes in Columbia County. This could indicate that the area is more affordable for homeowners, but it also means that the overall property values are less than what might be expected in a typical ZIP code within the county.
A significant portion of residents in 12130 are renters, with a renter share of 14.8%. While this figure is relatively low compared to urban centers, it is higher than some areas where homeownership is more prevalent. The combination of a moderate renter share and below-average home values can suggest that 12130 is a value pocket for landlords and small-portfolio investors interested in Section 8 properties. It offers an opportunity to invest in rental properties without the higher property costs associated with premium sub-markets.
To further contextualize, a high renter share with below-metro home values typically signals a sweet spot for Section 8 investments. In 12130, the higher-than-average renter share combined with lower-than-average home values indicates a potentially attractive market for such investments. Landlords and investors should consider the FMR of $1,330 as a benchmark for setting competitive rental rates while maintaining affordability for tenants.
In summary, 12130 appears to be a value pocket within the Columbia County, NY metro. Its below-average home values and slightly above-average rental costs make it a viable option for those looking to enter the Section 8 market. The higher renter share adds another layer of appeal, suggesting that there is a demand for rental housing in the area.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.