FY2027 Small Area FMR · Hampstead, NC

ZIP 28443 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28443 (Hampstead, NC) is $1,620 a month, up 3.8% from FY2026. That is 35% above the Pender County, NC area-wide FMR of $1,199.

2-bedroom SAFMR$1,620per month ▲ 3.8%

Area-wide 2 BR FMR$1,199Pender County, NC

Rank in the area3rdof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,458

2 BR Small Area FMR$1,620

110% of SAFMR$1,782

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

Studio$1,230▼ 9.6%

1 BR$1,490▲ 4.9%

2 BR$1,620▲ 3.8%

3 BR$2,240▲ 3.2%

4 BR$2,710▲ 3.4%

FY2027 FY2026

Where 28443 sits in the Pender County, NC area

Of the 13 ZIP codes HUD lists for the area, 28443 has the 3rd highest two-bedroom Small Area FMR. Pender County, 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 $1,199 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,620 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	$1,230	$1,107 – $1,353	$915	$1,360
1 bedroom	$1,490	$1,341 – $1,639	$1,101	$1,420
2 bedrooms	$1,620	$1,458 – $1,782	$1,199	$1,560
3 bedrooms	$2,240	$2,016 – $2,464	$1,660	$2,170
4 bedrooms	$2,710	$2,439 – $2,981	$2,004	$2,620

A household renting a two-bedroom home at the Small Area FMR of $1,620 needs about $64,800 a year to keep housing costs at 30% of income. The area median family income is $110,600 and the 80% low-income limit for four people is $87,650. ZIP code 28443 lies mainly in Pender County. See the Pender County, NC county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28445	Holly Ridge	7.3 mi	$1,400
28411	Wilmington	11.9 mi	$2,100
28457	Rocky Point	12.0 mi	$1,050
28429	Castle Hayne	14.7 mi	$1,500
28425	Burgaw	14.9 mi	$1,070
28460	Sneads Ferry	16.1 mi	$1,660

Questions

What is the Fair Market Rent for ZIP code 28443?

HUD's FY2027 Small Area Fair Market Rents for 28443 are $1,230 (studio), $1,490 (1 BR), $1,620 (2 BR), $2,240 (3 BR) and $2,710 (4 BR) a month.

What is the Section 8 payment standard in 28443?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28443 that range is $1,458 to $1,782 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28443?

The FY2026 income limits of the Pender County, NC area apply: median family income $110,600, low-income (80%) limit $87,650 for a family of four.