FY2027 Small Area FMR · Oxford, CT
ZIP 06478 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 06478 (Oxford, CT) is $1,720 a month. That is 1% below the Waterbury-Shelton, CT area-wide FMR of $1,745.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
Where 06478 sits in the Waterbury-Shelton, CT area
Of the 51 ZIP codes HUD lists for the area, 06478 has the 37th highest two-bedroom Small Area FMR. Waterbury-Shelton, CT 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 $1,745 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,720 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,230 | $1,107 – $1,353 | $1,249 | — |
| 1 bedroom | $1,320 | $1,188 – $1,452 | $1,336 | — |
| 2 bedrooms | $1,720 | $1,548 – $1,892 | $1,745 | — |
| 3 bedrooms | $2,150 | $1,935 – $2,365 | $2,184 | — |
| 4 bedrooms | $2,590 | $2,331 – $2,849 | $2,599 | — |
A household renting a two-bedroom home at the Small Area FMR of $1,720 needs about $68,800 a year to keep housing costs at 30% of income. The area median family income is $114,000 and the 80% low-income limit for four people is $99,600. ZIP code 06478 lies mainly in Naugatuck Valley Planning Region. See the Waterbury-Shelton, CT 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 06478?
HUD's FY2027 Small Area Fair Market Rents for 06478 are $1,230 (studio), $1,320 (1 BR), $1,720 (2 BR), $2,150 (3 BR) and $2,590 (4 BR) a month.
What is the Section 8 payment standard in 06478?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 06478 that range is $1,548 to $1,892 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 06478?
The FY2026 income limits of the Waterbury-Shelton, CT area apply: median family income $114,000, low-income (80%) limit $99,600 for a family of four.