FY2027 Small Area FMR · Atlantic Beach, NC

ZIP 28512 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28512 (Atlantic Beach, NC) is $1,250 a month, up 6.8% from FY2026. That is 2% below the Carteret County, NC area-wide FMR of $1,277.

2-bedroom SAFMR$1,250per month ▲ 6.8%

Area-wide 2 BR FMR$1,277Carteret County, NC

Rank in the area13thof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,125

2 BR Small Area FMR$1,250

110% of SAFMR$1,375

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

Studio$950▲ 6.7%

1 BR$960▲ 7.9%

2 BR$1,250▲ 6.8%

3 BR$1,570▲ 4.7%

4 BR$2,090▲ 8.9%

FY2027 FY2026

Where 28512 sits in the Carteret County, NC area

Of the 20 ZIP codes HUD lists for the area, 28512 has the 13th highest two-bedroom Small Area FMR. Carteret 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 $1,277 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,250 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	$950	$855 – $1,045	$970	$890
1 bedroom	$960	$864 – $1,056	$976	$890
2 bedrooms	$1,250	$1,125 – $1,375	$1,277	$1,170
3 bedrooms	$1,570	$1,413 – $1,727	$1,607	$1,500
4 bedrooms	$2,090	$1,881 – $2,299	$2,132	$1,920

A household renting a two-bedroom home at the Small Area FMR of $1,250 needs about $50,000 a year to keep housing costs at 30% of income. The area median family income is $103,500 and the 80% low-income limit for four people is $82,800. ZIP code 28512 lies mainly in Carteret County. See the Carteret County, NC county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28557	Morehead City	3.7 mi	$1,350
28575	Salter Path	5.1 mi	$1,250
28570	Newport	6.5 mi	$1,170
28594	Emerald Isle	9.6 mi	$1,860
28531	Harkers Island	13.7 mi	$1,220
28528	Gloucester	14.8 mi	$1,280

Questions

What is the Fair Market Rent for ZIP code 28512?

HUD's FY2027 Small Area Fair Market Rents for 28512 are $950 (studio), $960 (1 BR), $1,250 (2 BR), $1,570 (3 BR) and $2,090 (4 BR) a month.

What is the Section 8 payment standard in 28512?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28512 that range is $1,125 to $1,375 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28512?

The FY2026 income limits of the Carteret County, NC area apply: median family income $103,500, low-income (80%) limit $82,800 for a family of four.