FY2027 Small Area FMR · Charlotte, NC

ZIP 28210 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28210 (Charlotte, NC) is $1,940 a month, up 3.2% from FY2026. That is 9% above the Charlotte-Concord-Gastonia, NC-SC area-wide FMR of $1,785.

2-bedroom SAFMR$1,940per month ▲ 3.2%

Area-wide 2 BR FMR$1,785Charlotte-Concord-Gastonia,

Rank in the area24thof 129 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,746

2 BR Small Area FMR$1,940

110% of SAFMR$2,134

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

Studio$1,710▲ 4.3%

1 BR$1,780▲ 3.5%

2 BR$1,940▲ 3.2%

3 BR$2,370▲ 2.2%

4 BR$3,010▲ 2.4%

FY2027 FY2026

Where 28210 sits in the Charlotte-Concord-Gastonia, NC-SC area

Of the 129 ZIP codes HUD lists for the area, 28210 has the 24th highest two-bedroom Small Area FMR. Charlotte-Concord-Gastonia, NC-SC is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,746 and $2,134 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,710	$1,539 – $1,881	$1,574	$1,640
1 bedroom	$1,780	$1,602 – $1,958	$1,640	$1,720
2 bedrooms	$1,940	$1,746 – $2,134	$1,785	$1,880
3 bedrooms	$2,370	$2,133 – $2,607	$2,179	$2,320
4 bedrooms	$3,010	$2,709 – $3,311	$2,773	$2,940

A household renting a two-bedroom home at the Small Area FMR of $1,940 needs about $77,600 a year to keep housing costs at 30% of income. The area median family income is $117,400 and the 80% low-income limit for four people is $93,900. ZIP code 28210 lies mainly in Mecklenburg County. See the Charlotte-Concord-Gastonia, NC-SC metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28226	Charlotte	2.7 mi	$1,830
28209	Charlotte	3.3 mi	$1,930
28134	Pineville	3.7 mi	$2,010
28217	Charlotte	3.9 mi	$2,030
28211	Charlotte	4.2 mi	$2,090
28274	Charlotte	4.2 mi	$1,960

Questions

What is the Fair Market Rent for ZIP code 28210?

HUD's FY2027 Small Area Fair Market Rents for 28210 are $1,710 (studio), $1,780 (1 BR), $1,940 (2 BR), $2,370 (3 BR) and $3,010 (4 BR) a month.

What is the Section 8 payment standard in 28210?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28210 that range is $1,746 to $2,134 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28210?

The FY2026 income limits of the Charlotte-Concord-Gastonia, NC-SC area apply: median family income $117,400, low-income (80%) limit $93,900 for a family of four.