FY2027 Small Area FMR · Champlain, VA
ZIP 22438 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 22438 (Champlain, VA) is $1,300 a month, up 3.2% from FY2026. That is 5% above the Caroline County, VA area-wide FMR of $1,244.
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 22438 sits in the Caroline County, VA area
Of the 15 ZIP codes HUD lists for the area, 22438 has the 9th highest two-bedroom Small Area FMR. Caroline 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 $1,244 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,300 for this ZIP code instead.
ZIP code 22438 crosses more than one HUD area. HUD also lists it under Essex 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 | $990 | $891 – $1,089 | $866 | $990 |
| 1 bedroom | $1,030 | $927 – $1,133 | $1,028 | $1,030 |
| 2 bedrooms | $1,300 | $1,170 – $1,430 | $1,244 | $1,260 |
| 3 bedrooms | $1,720 | $1,548 – $1,892 | $1,723 | $1,700 |
| 4 bedrooms | $2,030 | $1,827 – $2,233 | $2,079 | $1,960 |
A household renting a two-bedroom home at the Small Area FMR of $1,300 needs about $52,000 a year to keep housing costs at 30% of income. The area median family income is $102,900 and the 80% low-income limit for four people is $82,300. ZIP code 22438 lies mainly in Essex County and Caroline County. See the Caroline 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 22438?
HUD's FY2027 Small Area Fair Market Rents for 22438 are $990 (studio), $1,030 (1 BR), $1,300 (2 BR), $1,720 (3 BR) and $2,030 (4 BR) a month.
What is the Section 8 payment standard in 22438?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 22438 that range is $1,170 to $1,430 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 22438?
The FY2026 income limits of the Caroline County, VA area apply: median family income $102,900, low-income (80%) limit $82,300 for a family of four.