FY2027 Small Area FMR · Garden City, AL

ZIP 35070 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 35070 (Garden City, AL) is $960 a month, up 15.7% from FY2026. That is 7% below the Cullman County, AL area-wide FMR of $1,034.

2-bedroom SAFMR$960per month ▲ 15.7%

Area-wide 2 BR FMR$1,034Cullman County, AL

Rank in the area15thof 21 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$864

2 BR Small Area FMR$960

110% of SAFMR$1,056

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

Studio$730▲ 15.9%

1 BR$730▲ 15.9%

2 BR$960▲ 15.7%

3 BR$1,260▲ 17.8%

4 BR$1,470▲ 13.1%

FY2027 FY2026

Where 35070 sits in the Cullman County, AL area

Of the 21 ZIP codes HUD lists for the area, 35070 has the 15th highest two-bedroom Small Area FMR. Cullman County, AL 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 $1,034 for two bedrooms; an agency that opts in to Small Area FMRs would use $960 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	$730	$657 – $803	$785	$630
1 bedroom	$730	$657 – $803	$790	$630
2 bedrooms	$960	$864 – $1,056	$1,034	$830
3 bedrooms	$1,260	$1,134 – $1,386	$1,356	$1,070
4 bedrooms	$1,470	$1,323 – $1,617	$1,581	$1,300

A household renting a two-bedroom home at the Small Area FMR of $960 needs about $38,400 a year to keep housing costs at 30% of income. The area median family income is $82,900 and the 80% low-income limit for four people is $66,300. ZIP code 35070 lies mainly in Cullman County. See the Cullman County, AL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
35077	Hanceville	4.5 mi	$960
35079	Hayden	4.9 mi	$1,050
35049	Cleveland	8.8 mi	$1,040
35055	Cullman	9.8 mi	$1,070
35097	Locust Fork	10.9 mi	$1,260
35172	Trafford	11.8 mi	$970

Questions

What is the Fair Market Rent for ZIP code 35070?

HUD's FY2027 Small Area Fair Market Rents for 35070 are $730 (studio), $730 (1 BR), $960 (2 BR), $1,260 (3 BR) and $1,470 (4 BR) a month.

What is the Section 8 payment standard in 35070?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 35070 that range is $864 to $1,056 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 35070?

The FY2026 income limits of the Cullman County, AL area apply: median family income $82,900, low-income (80%) limit $66,300 for a family of four.