FY2027 Small Area FMR · Cumberland, NC
ZIP 28331 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28331 (Cumberland, NC) is $1,130 a month, up 0.9% from FY2026. That is 23% below the Fayetteville, NC area-wide FMR of $1,476.
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 28331 sits in the Fayetteville, NC area
Of the 28 ZIP codes HUD lists for the area, 28331 has the 20th highest two-bedroom Small Area FMR. Fayetteville, NC 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 $1,476 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,130 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $990 | $891 – $1,089 | $1,302 | $980 |
| 1 bedroom | $1,010 | $909 – $1,111 | $1,334 | $990 |
| 2 bedrooms | $1,130 | $1,017 – $1,243 | $1,476 | $1,120 |
| 3 bedrooms | $1,510 | $1,359 – $1,661 | $1,937 | $1,520 |
| 4 bedrooms | $1,870 | $1,683 – $2,057 | $2,380 | $1,880 |
A household renting a two-bedroom home at the Small Area FMR of $1,130 needs about $45,200 a year to keep housing costs at 30% of income. The area median family income is $81,900 and the 80% low-income limit for four people is $65,500. ZIP code 28331 lies mainly in Cumberland County. See the Fayetteville, NC 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 28331?
HUD's FY2027 Small Area Fair Market Rents for 28331 are $990 (studio), $1,010 (1 BR), $1,130 (2 BR), $1,510 (3 BR) and $1,870 (4 BR) a month.
What is the Section 8 payment standard in 28331?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28331 that range is $1,017 to $1,243 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 28331?
The FY2026 income limits of the Fayetteville, NC area apply: median family income $81,900, low-income (80%) limit $65,500 for a family of four.