FY2027 Small Area FMR · Callao, VA
ZIP 22435 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 22435 (Callao, VA) is $1,180 a month, down 5.6% from FY2026. That is 15% below the Northumberland County, VA area-wide FMR of $1,382.
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 22435 sits in the Northumberland County, VA area
Of the 10 ZIP codes HUD lists for the area, 22435 has the 4th highest two-bedroom Small Area FMR. Northumberland County, VA 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 $1,382 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,180 for this ZIP code instead.
ZIP code 22435 crosses more than one HUD area. HUD also lists it under Richmond County, VA (same figures) and Westmoreland County, VA (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 | $960 | $864 – $1,056 | $1,135 | $1,010 |
| 1 bedroom | $970 | $873 – $1,067 | $1,142 | $1,020 |
| 2 bedrooms | $1,180 | $1,062 – $1,298 | $1,382 | $1,250 |
| 3 bedrooms | $1,500 | $1,350 – $1,650 | $1,647 | $1,500 |
| 4 bedrooms | $1,850 | $1,665 – $2,035 | $2,139 | $1,950 |
A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 a year to keep housing costs at 30% of income. The area median family income is $83,700 and the 80% low-income limit for four people is $68,800. ZIP code 22435 lies mainly in Northumberland County, Richmond County and Westmoreland County. See the Northumberland County, VA 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 22435?
HUD's FY2027 Small Area Fair Market Rents for 22435 are $960 (studio), $970 (1 BR), $1,180 (2 BR), $1,500 (3 BR) and $1,850 (4 BR) a month.
What is the Section 8 payment standard in 22435?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 22435 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 22435?
The FY2026 income limits of the Northumberland County, VA area apply: median family income $83,700, low-income (80%) limit $68,800 for a family of four.