FY2027 Small Area FMR · Black Mountain, NC
ZIP 28711 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28711 (Black Mountain, NC) is $1,810 a month, up 4.6% from FY2026. That is 3% below the Asheville, NC area-wide FMR of $1,866.
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 28711 sits in the Asheville, NC area
Of the 54 ZIP codes HUD lists for the area, 28711 has the 21st highest two-bedroom Small Area FMR. Asheville, 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 $1,866 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,810 for this ZIP code instead.
ZIP code 28711 crosses more than one HUD area. HUD also lists it under McDowell County, NC (same figures) and Rutherford 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 | $1,430 | $1,287 – $1,573 | $1,482 | $1,360 |
| 1 bedroom | $1,660 | $1,494 – $1,826 | $1,714 | $1,580 |
| 2 bedrooms | $1,810 | $1,629 – $1,991 | $1,866 | $1,730 |
| 3 bedrooms | $2,150 | $1,935 – $2,365 | $2,223 | $2,110 |
| 4 bedrooms | $3,000 | $2,700 – $3,300 | $3,109 | $2,900 |
A household renting a two-bedroom home at the Small Area FMR of $1,810 needs about $72,400 a year to keep housing costs at 30% of income. The area median family income is $103,200 and the 80% low-income limit for four people is $81,900. ZIP code 28711 lies mainly in Buncombe County, McDowell County and Rutherford County. See the Asheville, NC metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 28711?
HUD's FY2027 Small Area Fair Market Rents for 28711 are $1,430 (studio), $1,660 (1 BR), $1,810 (2 BR), $2,150 (3 BR) and $3,000 (4 BR) a month.
What is the Section 8 payment standard in 28711?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28711 that range is $1,629 to $1,991 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 28711?
The FY2026 income limits of the Asheville, NC area apply: median family income $103,200, low-income (80%) limit $81,900 for a family of four.