FY2027 Small Area FMR · Saint Simons Island, GA

ZIP 31522 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 31522 (Saint Simons Island, GA) is $2,070 a month, up 6.7% from FY2026. That is 50% above the Brunswick-St. Simons, GA area-wide FMR of $1,378.

2-bedroom SAFMR$2,070per month ▲ 6.7%

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

Rank in the area1stof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,863

2 BR Small Area FMR$2,070

110% of SAFMR$2,277

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

Studio$1,490▼ 3.9%

1 BR$1,670▲ 0.6%

2 BR$2,070▲ 6.7%

3 BR$2,470▲ 6.0%

4 BR$2,910▲ 1.7%

FY2027 FY2026

Where 31522 sits in the Brunswick-St. Simons, GA area

Of the 20 ZIP codes HUD lists for the area, 31522 has the 1st 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 $2,070 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	$1,490	$1,341 – $1,639	$991	$1,550
1 bedroom	$1,670	$1,503 – $1,837	$1,114	$1,660
2 bedrooms	$2,070	$1,863 – $2,277	$1,378	$1,940
3 bedrooms	$2,470	$2,223 – $2,717	$1,642	$2,330
4 bedrooms	$2,910	$2,619 – $3,201	$1,938	$2,860

A household renting a two-bedroom home at the Small Area FMR of $2,070 needs about $82,800 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 31522 lies mainly in Glynn 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
31561	Sea Island	4.1 mi	$2,070
31524	Brunswick	7.8 mi	$1,450
31305	Darien	10.1 mi	$1,170
31520	Brunswick	10.4 mi	$1,270
31525	Brunswick	11.7 mi	$1,570
31527	Jekyll Island	13.9 mi	$1,970

Questions

What is the Fair Market Rent for ZIP code 31522?

HUD's FY2027 Small Area Fair Market Rents for 31522 are $1,490 (studio), $1,670 (1 BR), $2,070 (2 BR), $2,470 (3 BR) and $2,910 (4 BR) a month.

What is the Section 8 payment standard in 31522?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 31522 that range is $1,863 to $2,277 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 31522?

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.