FY2027 Small Area FMR · Guntersville, AL
ZIP 35976 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 35976 (Guntersville, AL) is $990 a month, down 2.9% from FY2026. That is 28% below the Birmingham-Hoover, AL area-wide FMR of $1,375.
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 35976 sits in the Birmingham-Hoover, AL area
Of the 134 ZIP codes HUD lists for the area, 35976 has the 107th highest two-bedroom Small Area FMR. Birmingham-Hoover, AL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $891 and $1,089 for two bedrooms.
ZIP code 35976 crosses more than one HUD area. HUD also lists it under Cullman County, AL (same figures) and Marshall County, AL (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 | $750 | $675 – $825 | $1,177 | $810 |
| 1 bedroom | $810 | $729 – $891 | $1,263 | $900 |
| 2 bedrooms | $990 | $891 – $1,089 | $1,375 | $1,020 |
| 3 bedrooms | $1,370 | $1,233 – $1,507 | $1,727 | $1,280 |
| 4 bedrooms | $1,380 | $1,242 – $1,518 | $1,941 | $1,430 |
A household renting a two-bedroom home at the Small Area FMR of $990 needs about $39,600 a year to keep housing costs at 30% of income. The area median family income is $104,100 and the 80% low-income limit for four people is $83,300. ZIP code 35976 lies mainly in Marshall County, Blount County and Cullman County. See the Birmingham-Hoover, AL 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 35976?
HUD's FY2027 Small Area Fair Market Rents for 35976 are $750 (studio), $810 (1 BR), $990 (2 BR), $1,370 (3 BR) and $1,380 (4 BR) a month.
What is the Section 8 payment standard in 35976?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 35976 that range is $891 to $1,089 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 35976?
The FY2026 income limits of the Birmingham-Hoover, AL area apply: median family income $104,100, low-income (80%) limit $83,300 for a family of four.