FY2027 Small Area FMR · Rainsville, AL

ZIP 35986 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 35986 (Rainsville, AL) is $920 a month, up 17.9% from FY2026. That is 0% equal to the DeKalb County, AL area-wide FMR of $921.

2-bedroom SAFMR$920per month ▲ 17.9%

Area-wide 2 BR FMR$921DeKalb County, AL

Rank in the area14thof 25 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$828

2 BR Small Area FMR$920

110% of SAFMR$1,012

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

Studio$700▲ 20.7%

1 BR$700▲ 18.6%

2 BR$920▲ 17.9%

3 BR$1,150▲ 16.2%

4 BR$1,540▲ 18.5%

FY2027 FY2026

Where 35986 sits in the DeKalb County, AL area

Of the 25 ZIP codes HUD lists for the area, 35986 has the 14th highest two-bedroom Small Area FMR. DeKalb 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 $921 for two bedrooms; an agency that opts in to Small Area FMRs would use $920 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	$700	$630 – $770	$699	$580
1 bedroom	$700	$630 – $770	$704	$590
2 bedrooms	$920	$828 – $1,012	$921	$780
3 bedrooms	$1,150	$1,035 – $1,265	$1,154	$990
4 bedrooms	$1,540	$1,386 – $1,694	$1,539	$1,300

A household renting a two-bedroom home at the Small Area FMR of $920 needs about $36,800 a year to keep housing costs at 30% of income. The area median family income is $70,100 and the 80% low-income limit for four people is $59,350. ZIP code 35986 lies mainly in DeKalb County. See the DeKalb County, AL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
35988	Sylvania	4.6 mi	$920
35968	Fort Payne	6.5 mi	$920
35971	Fyffe	6.9 mi	$960
35744	Dutton	8.7 mi	$920
35771	Section	10.0 mi	$920
35967	Fort Payne	10.3 mi	$940

Questions

What is the Fair Market Rent for ZIP code 35986?

HUD's FY2027 Small Area Fair Market Rents for 35986 are $700 (studio), $700 (1 BR), $920 (2 BR), $1,150 (3 BR) and $1,540 (4 BR) a month.

What is the Section 8 payment standard in 35986?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 35986 that range is $828 to $1,012 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 35986?

The FY2026 income limits of the DeKalb County, AL area apply: median family income $70,100, low-income (80%) limit $59,350 for a family of four.