FY2027 Small Area FMR · Cotuit, MA
ZIP 02635 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 02635 (Cotuit, MA) is $2,920 a month, up 6.2% from FY2026. That is 17% above the Barnstable Town, MA area-wide FMR of $2,488.
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 02635 sits in the Barnstable Town, MA area
Of the 56 ZIP codes HUD lists for the area, 02635 has the 6th highest two-bedroom Small Area FMR. Barnstable Town, MA 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 $2,488 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,920 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,220 | $1,998 – $2,442 | $1,889 | $2,080 |
| 1 bedroom | $2,230 | $2,007 – $2,453 | $1,902 | $2,100 |
| 2 bedrooms | $2,920 | $2,628 – $3,212 | $2,488 | $2,750 |
| 3 bedrooms | $3,660 | $3,294 – $4,026 | $3,121 | $3,390 |
| 4 bedrooms | $4,370 | $3,933 – $4,807 | $3,721 | $3,890 |
A household renting a two-bedroom home at the Small Area FMR of $2,920 needs about $116,800 a year to keep housing costs at 30% of income. The area median family income is $123,600 and the 80% low-income limit for four people is $112,950. ZIP code 02635 lies mainly in Barnstable County. See the Barnstable Town, MA county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 02635?
HUD's FY2027 Small Area Fair Market Rents for 02635 are $2,220 (studio), $2,230 (1 BR), $2,920 (2 BR), $3,660 (3 BR) and $4,370 (4 BR) a month.
What is the Section 8 payment standard in 02635?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 02635 that range is $2,628 to $3,212 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 02635?
The FY2026 income limits of the Barnstable Town, MA area apply: median family income $123,600, low-income (80%) limit $112,950 for a family of four.