FY2027 Small Area FMR · Killen, AL

ZIP 35645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 35645 (Killen, AL) is $1,260 a month, up 16.7% from FY2026. That is 16% above the Florence-Muscle Shoals, AL area-wide FMR of $1,085.

2-bedroom SAFMR$1,260per month ▲ 16.7%

Area-wide 2 BR FMR$1,085Florence-Muscle Shoals, AL

Rank in the area1stof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,134

2 BR Small Area FMR$1,260

110% of SAFMR$1,386

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

Studio$880▲ 17.3%

1 BR$970▲ 15.5%

2 BR$1,260▲ 16.7%

3 BR$1,570▲ 17.2%

4 BR$1,660▲ 9.2%

FY2027 FY2026

Where 35645 sits in the Florence-Muscle Shoals, AL area

Of the 22 ZIP codes HUD lists for the area, 35645 has the 1st highest two-bedroom Small Area FMR. Florence-Muscle Shoals, 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 $1,085 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,260 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	$880	$792 – $968	$760	$750
1 bedroom	$970	$873 – $1,067	$834	$840
2 bedrooms	$1,260	$1,134 – $1,386	$1,085	$1,080
3 bedrooms	$1,570	$1,413 – $1,727	$1,348	$1,340
4 bedrooms	$1,660	$1,494 – $1,826	$1,426	$1,520

A household renting a two-bedroom home at the Small Area FMR of $1,260 needs about $50,400 a year to keep housing costs at 30% of income. The area median family income is $95,900 and the 80% low-income limit for four people is $72,450. ZIP code 35645 lies mainly in Lauderdale County. See the Florence-Muscle Shoals, AL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
35634	Florence	6.5 mi	$1,170
35648	Lexington	7.5 mi	$920
38481	Saint Joseph	8.9 mi	$1,000
35661	Muscle Shoals	9.9 mi	$1,240
35630	Florence	10.7 mi	$1,130
35652	Rogersville	11.5 mi	$1,180

Questions

What is the Fair Market Rent for ZIP code 35645?

HUD's FY2027 Small Area Fair Market Rents for 35645 are $880 (studio), $970 (1 BR), $1,260 (2 BR), $1,570 (3 BR) and $1,660 (4 BR) a month.

What is the Section 8 payment standard in 35645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 35645 that range is $1,134 to $1,386 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 35645?

The FY2026 income limits of the Florence-Muscle Shoals, AL area apply: median family income $95,900, low-income (80%) limit $72,450 for a family of four.