FY2027 Small Area FMR · Sapelo Island, GA

ZIP 31327 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 31327 (Sapelo Island, GA) is $1,170 a month, up 2.6% from FY2026. That is 15% below the Brunswick-St. Simons, GA area-wide FMR of $1,378.

2-bedroom SAFMR$1,170per month ▲ 2.6%

Area-wide 2 BR FMR$1,378Brunswick-St. Simons, GA

Rank in the area11thof 20 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$940▲ 2.2%

1 BR$1,000▲ 3.1%

2 BR$1,170▲ 2.6%

3 BR$1,400▼ 1.4%

4 BR$1,720▼ 1.7%

FY2027 FY2026

Where 31327 sits in the Brunswick-St. Simons, GA area

Of the 20 ZIP codes HUD lists for the area, 31327 has the 11th highest two-bedroom Small Area FMR. Brunswick-St. Simons, GA 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 $1,378 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	$940	$846 – $1,034	$991	$920
1 bedroom	$1,000	$900 – $1,100	$1,114	$970
2 bedrooms	$1,170	$1,053 – $1,287	$1,378	$1,140
3 bedrooms	$1,400	$1,260 – $1,540	$1,642	$1,420
4 bedrooms	$1,720	$1,548 – $1,892	$1,938	$1,750

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 $92,100 and the 80% low-income limit for four people is $73,700. ZIP code 31327 lies mainly in McIntosh County. See the Brunswick-St. Simons, GA metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
31305	Darien	9.9 mi	$1,170
31331	Townsend	11.8 mi	$1,260
31522	Saint Simons Island	15.6 mi	$2,070
31323	Riceboro	18.5 mi	$1,310
31561	Sea Island	19.2 mi	$2,070
31525	Brunswick	19.3 mi	$1,570

Questions

What is the Fair Market Rent for ZIP code 31327?

HUD's FY2027 Small Area Fair Market Rents for 31327 are $940 (studio), $1,000 (1 BR), $1,170 (2 BR), $1,400 (3 BR) and $1,720 (4 BR) a month.

What is the Section 8 payment standard in 31327?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 31327 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 31327?

The FY2026 income limits of the Brunswick-St. Simons, GA area apply: median family income $92,100, low-income (80%) limit $73,700 for a family of four.