FY2027 Small Area FMR · Ray City, GA
ZIP 31645 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 31645 (Ray City, GA) is $1,210 a month, up 4.3% from FY2026. That is 3% above the Valdosta, GA area-wide FMR of $1,179.
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 31645 sits in the Valdosta, GA area
Of the 26 ZIP codes HUD lists for the area, 31645 has the 7th highest two-bedroom Small Area FMR. Valdosta, 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 $1,179 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,210 for this ZIP code instead.
ZIP code 31645 crosses more than one HUD area. HUD also lists it under Berrien County, GA (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 | $940 | $846 – $1,034 | $898 | $880 |
| 1 bedroom | $950 | $855 – $1,045 | $904 | $890 |
| 2 bedrooms | $1,210 | $1,089 – $1,331 | $1,179 | $1,160 |
| 3 bedrooms | $1,640 | $1,476 – $1,804 | $1,575 | $1,580 |
| 4 bedrooms | $1,920 | $1,728 – $2,112 | $1,923 | $1,900 |
A household renting a two-bedroom home at the Small Area FMR of $1,210 needs about $48,400 a year to keep housing costs at 30% of income. The area median family income is $82,600 and the 80% low-income limit for four people is $66,100. ZIP code 31645 lies mainly in Berrien County, Lanier County and Lowndes County. See the Valdosta, GA 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 31645?
HUD's FY2027 Small Area Fair Market Rents for 31645 are $940 (studio), $950 (1 BR), $1,210 (2 BR), $1,640 (3 BR) and $1,920 (4 BR) a month.
What is the Section 8 payment standard in 31645?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 31645 that range is $1,089 to $1,331 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 31645?
The FY2026 income limits of the Valdosta, GA area apply: median family income $82,600, low-income (80%) limit $66,100 for a family of four.