FY2027 Small Area FMR · Marble, NC

ZIP 28905 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 28905 (Marble, NC) is $1,140 a month, up 8.6% from FY2026. That is 13% above the Cherokee County, NC area-wide FMR of $1,012.

2-bedroom SAFMR$1,140per month ▲ 8.6%

Area-wide 2 BR FMR$1,012Cherokee County, NC

Rank in the area1stof 6 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,026

2 BR Small Area FMR$1,140

110% of SAFMR$1,254

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

Studio$790▲ 9.7%

1 BR$920▲ 15.0%

2 BR$1,140▲ 8.6%

3 BR$1,510▲ 4.1%

4 BR$1,790▲ 6.5%

FY2027 FY2026

Where 28905 sits in the Cherokee County, NC area

Of the 6 ZIP codes HUD lists for the area, 28905 has the 1st highest two-bedroom Small Area FMR. Cherokee 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 $1,012 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,140 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	$790	$711 – $869	$705	$720
1 bedroom	$920	$828 – $1,012	$817	$800
2 bedrooms	$1,140	$1,026 – $1,254	$1,012	$1,050
3 bedrooms	$1,510	$1,359 – $1,661	$1,343	$1,450
4 bedrooms	$1,790	$1,611 – $1,969	$1,585	$1,680

A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $73,900 and the 80% low-income limit for four people is $62,650. ZIP code 28905 lies mainly in Cherokee County. See the Cherokee County, NC county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
28901	Andrews	7.7 mi	$1,010
28902	Brasstown	9.8 mi	$1,030
28909	Warne	11.4 mi	$1,030
28906	Murphy	11.8 mi	$1,010
28904	Hayesville	13.4 mi	$1,070
28771	Robbinsville	13.8 mi	$1,010

Questions

What is the Fair Market Rent for ZIP code 28905?

HUD's FY2027 Small Area Fair Market Rents for 28905 are $790 (studio), $920 (1 BR), $1,140 (2 BR), $1,510 (3 BR) and $1,790 (4 BR) a month.

What is the Section 8 payment standard in 28905?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 28905 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 28905?

The FY2026 income limits of the Cherokee County, NC area apply: median family income $73,900, low-income (80%) limit $62,650 for a family of four.