FY2027 Small Area FMR · Whiting, VT
ZIP 05778 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 05778 (Whiting, VT) is $1,430 a month, up 12.6% from FY2026. That is 13% below the Addison County, VT area-wide FMR of $1,636.
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 05778 sits in the Addison County, VT area
Of the 24 ZIP codes HUD lists for the area, 05778 has the 21st highest two-bedroom Small Area FMR. Addison County, VT 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 $1,636 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,430 for this ZIP code instead.
ZIP code 05778 crosses more than one HUD area. HUD also lists it under Rutland County, VT (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,010 | $909 – $1,111 | $1,139 | $990 |
| 1 bedroom | $1,130 | $1,017 – $1,243 | $1,293 | $1,000 |
| 2 bedrooms | $1,430 | $1,287 – $1,573 | $1,636 | $1,270 |
| 3 bedrooms | $1,710 | $1,539 – $1,881 | $1,954 | $1,590 |
| 4 bedrooms | $2,390 | $2,151 – $2,629 | $2,734 | $1,800 |
A household renting a two-bedroom home at the Small Area FMR of $1,430 needs about $57,200 a year to keep housing costs at 30% of income. The area median family income is $115,200 and the 80% low-income limit for four people is $92,150. ZIP code 05778 lies mainly in Addison County and Rutland County. See the Addison County, VT 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 05778?
HUD's FY2027 Small Area Fair Market Rents for 05778 are $1,010 (studio), $1,130 (1 BR), $1,430 (2 BR), $1,710 (3 BR) and $2,390 (4 BR) a month.
What is the Section 8 payment standard in 05778?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 05778 that range is $1,287 to $1,573 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 05778?
The FY2026 income limits of the Addison County, VT area apply: median family income $115,200, low-income (80%) limit $92,150 for a family of four.