FY2027 Small Area FMR · Wernersville, PA

ZIP 19565 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 19565 (Wernersville, PA) is $1,470 a month, down 9.8% from FY2026. That is 4% above the Reading, PA area-wide FMR of $1,418.

2-bedroom SAFMR$1,470per month ▼ 9.8%

Area-wide 2 BR FMR$1,418Reading, PA

Rank in the area31stof 69 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,323

2 BR Small Area FMR$1,470

110% of SAFMR$1,617

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

Studio$1,010▼ 9.8%

1 BR$1,160▼ 9.4%

2 BR$1,470▼ 9.8%

3 BR$1,800▼ 10.0%

4 BR$1,950▼ 9.7%

FY2027 FY2026

Where 19565 sits in the Reading, PA area

Of the 69 ZIP codes HUD lists for the area, 19565 has the 31st highest two-bedroom Small Area FMR. Reading, 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 $1,418 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,470 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	$1,010	$909 – $1,111	$978	$1,120
1 bedroom	$1,160	$1,044 – $1,276	$1,114	$1,280
2 bedrooms	$1,470	$1,323 – $1,617	$1,418	$1,630
3 bedrooms	$1,800	$1,620 – $1,980	$1,744	$2,000
4 bedrooms	$1,950	$1,755 – $2,145	$1,877	$2,160

A household renting a two-bedroom home at the Small Area FMR of $1,470 needs about $58,800 a year to keep housing costs at 30% of income. The area median family income is $102,100 and the 80% low-income limit for four people is $81,700. ZIP code 19565 lies mainly in Berks County. See the Reading, PA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
19551	Robesonia	2.9 mi	$1,420
19608	Reading	3.6 mi	$1,850
19609	Reading	4.9 mi	$1,660
17569	Reinholds	4.9 mi	$1,420
19610	Reading	6.0 mi	$1,960
19501	Adamstown	6.9 mi	$1,420

Questions

What is the Fair Market Rent for ZIP code 19565?

HUD's FY2027 Small Area Fair Market Rents for 19565 are $1,010 (studio), $1,160 (1 BR), $1,470 (2 BR), $1,800 (3 BR) and $1,950 (4 BR) a month.

What is the Section 8 payment standard in 19565?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 19565 that range is $1,323 to $1,617 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 19565?

The FY2026 income limits of the Reading, PA area apply: median family income $102,100, low-income (80%) limit $81,700 for a family of four.