FY2027 Small Area FMR · Saint Stephens Church, VA
ZIP 23148 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 23148 (Saint Stephens Church, VA) is $1,190 a month, down 9.8% from FY2026. That is 2% above the King and Queen County, VA area-wide FMR of $1,170.
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 23148 sits in the King and Queen County, VA area
Of the 15 ZIP codes HUD lists for the area, 23148 has the 4th highest two-bedroom Small Area FMR. King and Queen 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 $1,170 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,190 for this ZIP code instead.
ZIP code 23148 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 | $1,050 | $945 – $1,155 | $1,032 | $1,140 |
| 1 bedroom | $1,090 | $981 – $1,199 | $1,075 | $1,200 |
| 2 bedrooms | $1,190 | $1,071 – $1,309 | $1,170 | $1,320 |
| 3 bedrooms | $1,460 | $1,314 – $1,606 | $1,435 | $1,620 |
| 4 bedrooms | $1,830 | $1,647 – $2,013 | $1,771 | $2,030 |
A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 a year to keep housing costs at 30% of income. The area median family income is $90,700 and the 80% low-income limit for four people is $72,550. ZIP code 23148 lies mainly in King and Queen County and Essex County. See the King and Queen 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 23148?
HUD's FY2027 Small Area Fair Market Rents for 23148 are $1,050 (studio), $1,090 (1 BR), $1,190 (2 BR), $1,460 (3 BR) and $1,830 (4 BR) a month.
What is the Section 8 payment standard in 23148?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 23148 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 23148?
The FY2026 income limits of the King and Queen County, VA area apply: median family income $90,700, low-income (80%) limit $72,550 for a family of four.