Location: St. Lawrence County, NY | Metro: St. Lawrence 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 | $810 |
| 1 Bedroom | $890 |
| 2 Bedrooms | $1,160 |
| 3 Bedrooms | $1,380 |
| 4 Bedrooms | $1,520 |
| 5 Bedrooms | $1,763 |
| 6 Bedrooms | $1,975 |
| 7 Bedrooms | $2,133 |
| 8 Bedrooms | $2,240 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 3BR | $1,380 | $168,845 | 0.82% | C |
| 4BR | $1,520 | $177,118 | 0.86% | C |
U.S. Census Bureau data (2024)
ZIP 13630, located in St. Lawrence County, NY, is an ideal cash-flow anchor for a Section 8 portfolio strategy. The median home value in this area stands at $150,276, which is notably lower than many other regions across the state and nation. This makes it an attractive option for investors looking to maximize their rental income relative to property costs.
The Federal Market Rent (FMR) for the 13630 metro area in fiscal year 2026 is set at $970. Given that there is no specific market rental rate data available for this ZIP code, we can assume that the FMR is likely higher than the local market rate. This means that landlords participating in the Section 8 program can expect to receive a rent subsidy that exceeds the typical market rent, providing a stable and above-average cash flow. The lack of market rental rate data and days on market (DOM) figures suggests that the real estate market in 13630 is relatively inactive, which could indicate fewer opportunities for speculative gains through property flipping or rapid appreciation.
With a renter share of 7.8% and a median income of $63,333, ZIP 13630 does not present significant potential as an appreciation play or diversifier. The low renter share implies a smaller pool of tenants who might be interested in renting rather than buying, while the median income figure suggests that residents are more likely to rely on government assistance programs such as Section 8. Therefore, focusing on cash flow stability and predictability is the most prudent approach for this ZIP code.
In summary, ZIP 13630 should be considered a cash-flow anchor within a Section 8 portfolio strategy due to its low median home value and the likelihood of receiving a rent subsidy ($970) that is above the local market rate. This ensures steady and reliable income for landlords and small-portfolio investors.
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.