FY2027 Small Area FMR · Holly Ridge, NC
ZIP 28445 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28445 (Holly Ridge, NC) is $1,400 a month, up 2.2% from FY2026. That is 6% above the Jacksonville, NC area-wide FMR of $1,319.
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 28445 sits in the Jacksonville, NC area
Of the 19 ZIP codes HUD lists for the area, 28445 has the 7th highest two-bedroom Small Area FMR. Jacksonville, 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 $1,319 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,400 for this ZIP code instead.
ZIP code 28445 crosses more than one HUD area. HUD also lists it under Pender County, NC (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 | $1,110 | $999 – $1,221 | $1,067 | $1,120 |
| 1 bedroom | $1,180 | $1,062 – $1,298 | $1,073 | $1,140 |
| 2 bedrooms | $1,400 | $1,260 – $1,540 | $1,319 | $1,370 |
| 3 bedrooms | $1,950 | $1,755 – $2,145 | $1,826 | $1,910 |
| 4 bedrooms | $2,350 | $2,115 – $2,585 | $2,205 | $2,310 |
A household renting a two-bedroom home at the Small Area FMR of $1,400 needs about $56,000 a year to keep housing costs at 30% of income. The area median family income is $85,400 and the 80% low-income limit for four people is $68,300. ZIP code 28445 lies mainly in Onslow County and Pender County. See the Jacksonville, 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 28445?
HUD's FY2027 Small Area Fair Market Rents for 28445 are $1,110 (studio), $1,180 (1 BR), $1,400 (2 BR), $1,950 (3 BR) and $2,350 (4 BR) a month.
What is the Section 8 payment standard in 28445?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28445 that range is $1,260 to $1,540 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 28445?
The FY2026 income limits of the Jacksonville, NC area apply: median family income $85,400, low-income (80%) limit $68,300 for a family of four.