FY2027 Small Area FMR ·
ZIP 00978 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 00978 is $790 a month, up 8.2% from FY2026. That is 12% above the San Juan-Guaynabo, PR area-wide FMR of $706.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 00978 sits in the San Juan-Guaynabo, PR area
Of the 96 ZIP codes HUD lists for the area, 00978 has the 15th highest two-bedroom Small Area FMR. San Juan-Guaynabo, PR is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $706 for two bedrooms; an agency that opts in to Small Area FMRs would use $790 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $660 | $594 – $726 | $592 | $620 |
| 1 bedroom | $680 | $612 – $748 | $604 | $630 |
| 2 bedrooms | $790 | $711 – $869 | $706 | $730 |
| 3 bedrooms | $1,030 | $927 – $1,133 | $920 | $960 |
| 4 bedrooms | $1,250 | $1,125 – $1,375 | $1,117 | $1,150 |
A household renting a two-bedroom home at the Small Area FMR of $790 needs about $31,600 a year to keep housing costs at 30% of income. The area median family income is $41,400 and the 80% low-income limit for four people is $33,100. See the San Juan-Guaynabo, PR metro page for the full income limits table and the household check.
Questions
What is the Fair Market Rent for ZIP code 00978?
HUD's FY2027 Small Area Fair Market Rents for 00978 are $660 (studio), $680 (1 BR), $790 (2 BR), $1,030 (3 BR) and $1,250 (4 BR) a month.
What is the Section 8 payment standard in 00978?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 00978 that range is $711 to $869 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 00978?
The FY2026 income limits of the San Juan-Guaynabo, PR area apply: median family income $41,400, low-income (80%) limit $33,100 for a family of four.