FY2027 Small Area FMR · Sandy Lake, PA

ZIP 16145 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 16145 (Sandy Lake, PA) is $1,010 a month, up 4.1% from FY2026. That is 2% below the Mercer County, PA area-wide FMR of $1,028.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,028Mercer County, PA

Rank in the area17thof 29 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$710▲ 2.9%

1 BR$800▲ 3.9%

2 BR$1,010▲ 4.1%

3 BR$1,410▲ 4.4%

4 BR$1,600▲ 6.7%

FY2027 FY2026

Where 16145 sits in the Mercer County, PA area

Of the 29 ZIP codes HUD lists for the area, 16145 has the 17th highest two-bedroom Small Area FMR. Mercer County, PA 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 $1,028 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$710	$639 – $781	$716	$690
1 bedroom	$800	$720 – $880	$810	$770
2 bedrooms	$1,010	$909 – $1,111	$1,028	$970
3 bedrooms	$1,410	$1,269 – $1,551	$1,423	$1,350
4 bedrooms	$1,600	$1,440 – $1,760	$1,615	$1,500

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $83,600 and the 80% low-income limit for four people is $68,950. ZIP code 16145 lies mainly in Mercer County. See the Mercer County, PA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
16153	Stoneboro	4.0 mi	$1,030
16114	Clarks Mills	5.7 mi	$1,040
16311	Carlton	6.0 mi	$1,010
16362	Utica	7.6 mi	$1,010
16151	Sheakleyville	8.0 mi	$1,050
16133	Jackson Center	8.0 mi	$1,170

Questions

What is the Fair Market Rent for ZIP code 16145?

HUD's FY2027 Small Area Fair Market Rents for 16145 are $710 (studio), $800 (1 BR), $1,010 (2 BR), $1,410 (3 BR) and $1,600 (4 BR) a month.

What is the Section 8 payment standard in 16145?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 16145 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 16145?

The FY2026 income limits of the Mercer County, PA area apply: median family income $83,600, low-income (80%) limit $68,950 for a family of four.