FY2027 Small Area FMR · Jacksonville, NC

ZIP 28540 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28540 (Jacksonville, NC) is $1,250 a month, up 9.6% from FY2026. That is 5% below the Jacksonville, NC area-wide FMR of $1,319.

2-bedroom SAFMR$1,250per month ▲ 9.6%

Area-wide 2 BR FMR$1,319Jacksonville, NC

Rank in the area14thof 19 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$1,010▲ 12.2%

1 BR$1,020▲ 12.1%

2 BR$1,250▲ 9.6%

3 BR$1,730▲ 8.8%

4 BR$2,090▲ 9.4%

FY2027 FY2026

Where 28540 sits in the Jacksonville, NC area

Of the 19 ZIP codes HUD lists for the area, 28540 has the 14th 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 $1,250 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	$1,010	$909 – $1,111	$1,067	$900
1 bedroom	$1,020	$918 – $1,122	$1,073	$910
2 bedrooms	$1,250	$1,125 – $1,375	$1,319	$1,140
3 bedrooms	$1,730	$1,557 – $1,903	$1,826	$1,590
4 bedrooms	$2,090	$1,881 – $2,299	$2,205	$1,910

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 $85,400 and the 80% low-income limit for four people is $68,300. ZIP code 28540 lies mainly in Onslow County. See the Jacksonville, NC county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28542	Camp Lejeune	6.7 mi	$1,870
28543	Tarawa Terrace	7.4 mi	$1,530
28546	Jacksonville	8.9 mi	$1,360
28547	Camp Lejeune	9.7 mi	$1,580
28574	Richlands	9.8 mi	$1,220
28454	Maple Hill	9.9 mi	$1,840

Questions

What is the Fair Market Rent for ZIP code 28540?

HUD's FY2027 Small Area Fair Market Rents for 28540 are $1,010 (studio), $1,020 (1 BR), $1,250 (2 BR), $1,730 (3 BR) and $2,090 (4 BR) a month.

What is the Section 8 payment standard in 28540?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28540 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 28540?

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.