FY2027 Small Area FMR · Claremont, NC

ZIP 28610 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28610 (Claremont, NC) is $1,170 a month, up 2.6% from FY2026. That is 2% above the Hickory-Lenoir-Morganton, NC area-wide FMR of $1,147.

2-bedroom SAFMR$1,170per month ▲ 2.6%

Area-wide 2 BR FMR$1,147Hickory-Lenoir-Morganton, NC

Rank in the area15thof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,053

2 BR Small Area FMR$1,170

110% of SAFMR$1,287

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

Studio$980▲ 10.1%

1 BR$980▲ 4.3%

2 BR$1,170▲ 2.6%

3 BR$1,430■ 0.0%

4 BR$1,740▲ 0.6%

FY2027 FY2026

Where 28610 sits in the Hickory-Lenoir-Morganton, NC area

Of the 43 ZIP codes HUD lists for the area, 28610 has the 15th highest two-bedroom Small Area FMR. Hickory-Lenoir-Morganton, 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 $1,147 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,170 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	$980	$882 – $1,078	$961	$890
1 bedroom	$980	$882 – $1,078	$965	$940
2 bedrooms	$1,170	$1,053 – $1,287	$1,147	$1,140
3 bedrooms	$1,430	$1,287 – $1,573	$1,399	$1,430
4 bedrooms	$1,740	$1,566 – $1,914	$1,707	$1,730

A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 a year to keep housing costs at 30% of income. The area median family income is $85,200 and the 80% low-income limit for four people is $68,150. ZIP code 28610 lies mainly in Catawba County. See the Hickory-Lenoir-Morganton, NC metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28613	Conover	4.1 mi	$1,130
28609	Catawba	6.0 mi	$1,520
28678	Stony Point	7.6 mi	$1,210
28658	Newton	8.5 mi	$1,260
28673	Sherrills Ford	10.9 mi	$1,620
28650	Maiden	11.0 mi	$1,010

Questions

What is the Fair Market Rent for ZIP code 28610?

HUD's FY2027 Small Area Fair Market Rents for 28610 are $980 (studio), $980 (1 BR), $1,170 (2 BR), $1,430 (3 BR) and $1,740 (4 BR) a month.

What is the Section 8 payment standard in 28610?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28610 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28610?

The FY2026 income limits of the Hickory-Lenoir-Morganton, NC area apply: median family income $85,200, low-income (80%) limit $68,150 for a family of four.