FY2027 Small Area FMR · Arapahoe, NC

ZIP 28510 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28510 (Arapahoe, NC) is $1,320 a month, up 8.2% from FY2026. That is 21% above the Pamlico County, NC area-wide FMR of $1,088.

2-bedroom SAFMR$1,320per month ▲ 8.2%

Area-wide 2 BR FMR$1,088Pamlico County, NC

Rank in the area2ndof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,188

2 BR Small Area FMR$1,320

110% of SAFMR$1,452

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

Studio$1,050▲ 9.4%

1 BR$1,050▲ 8.2%

2 BR$1,320▲ 8.2%

3 BR$1,630▲ 7.9%

4 BR$2,030▲ 8.6%

FY2027 FY2026

Where 28510 sits in the Pamlico County, NC area

Of the 11 ZIP codes HUD lists for the area, 28510 has the 2nd highest two-bedroom Small Area FMR. Pamlico 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 $1,088 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,320 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	$1,050	$945 – $1,155	$872	$960
1 bedroom	$1,050	$945 – $1,155	$878	$970
2 bedrooms	$1,320	$1,188 – $1,452	$1,088	$1,220
3 bedrooms	$1,630	$1,467 – $1,793	$1,309	$1,510
4 bedrooms	$2,030	$1,827 – $2,233	$1,646	$1,870

A household renting a two-bedroom home at the Small Area FMR of $1,320 needs about $52,800 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 28510 lies mainly in Pamlico County. See the Pamlico County, NC county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28529	Grantsboro	6.3 mi	$1,010
28532	Havelock	7.4 mi	$1,410
28533	Cherry Point	8.0 mi	$1,410
28571	Oriental	8.7 mi	$1,480
28509	Alliance	10.9 mi	$1,090
28556	Merritt	13.4 mi	$1,260

Questions

What is the Fair Market Rent for ZIP code 28510?

HUD's FY2027 Small Area Fair Market Rents for 28510 are $1,050 (studio), $1,050 (1 BR), $1,320 (2 BR), $1,630 (3 BR) and $2,030 (4 BR) a month.

What is the Section 8 payment standard in 28510?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28510 that range is $1,188 to $1,452 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28510?

The FY2026 income limits of the Pamlico County, NC area apply: median family income $90,700, low-income (80%) limit $72,550 for a family of four.