FY2027 Small Area FMR · Morattico, VA

ZIP 22523 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 22523 (Morattico, VA) is $1,090 a month, up 3.8% from FY2026. That is 0% equal to the Lancaster County, VA area-wide FMR of $1,091.

2-bedroom SAFMR$1,090per month ▲ 3.8%

Area-wide 2 BR FMR$1,091Lancaster County, VA

Rank in the area6thof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$981

2 BR Small Area FMR$1,090

110% of SAFMR$1,199

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

Studio$830▼ 3.5%

1 BR$830▼ 3.5%

2 BR$1,090▲ 3.8%

3 BR$1,500▲ 2.7%

4 BR$1,820▲ 3.4%

FY2027 FY2026

Where 22523 sits in the Lancaster County, VA area

Of the 11 ZIP codes HUD lists for the area, 22523 has the 6th highest two-bedroom Small Area FMR. Lancaster 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 $1,091 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,090 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	$830	$747 – $913	$829	$860
1 bedroom	$830	$747 – $913	$834	$860
2 bedrooms	$1,090	$981 – $1,199	$1,091	$1,050
3 bedrooms	$1,500	$1,350 – $1,650	$1,501	$1,460
4 bedrooms	$1,820	$1,638 – $2,002	$1,824	$1,760

A household renting a two-bedroom home at the Small Area FMR of $1,090 needs about $43,600 a year to keep housing costs at 30% of income. The area median family income is $91,000 and the 80% low-income limit for four people is $72,800. ZIP code 22523 lies mainly in Lancaster County. See the Lancaster County, VA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
22548	Sharps	5.3 mi	$1,170
22460	Farnham	5.3 mi	$1,260
22503	Lancaster	5.9 mi	$1,180
23180	Water View	6.2 mi	$1,170
22504	Laneview	6.3 mi	$1,200
23079	Jamaica	6.3 mi	$1,260

Questions

What is the Fair Market Rent for ZIP code 22523?

HUD's FY2027 Small Area Fair Market Rents for 22523 are $830 (studio), $830 (1 BR), $1,090 (2 BR), $1,500 (3 BR) and $1,820 (4 BR) a month.

What is the Section 8 payment standard in 22523?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 22523 that range is $981 to $1,199 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 22523?

The FY2026 income limits of the Lancaster County, VA area apply: median family income $91,000, low-income (80%) limit $72,800 for a family of four.