FY2027 Small Area FMR · Mobile, AL

ZIP 36640 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 36640 (Mobile, AL) is $1,140 a month, up 5.6% from FY2026. That is 0% equal to the Mobile, AL area-wide FMR of $1,139.

2-bedroom SAFMR$1,140per month ▲ 5.6%

Area-wide 2 BR FMR$1,139Mobile, AL

Rank in the area16thof 50 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,026

2 BR Small Area FMR$1,140

110% of SAFMR$1,254

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

Studio$940▲ 10.6%

1 BR$980▲ 6.5%

2 BR$1,140▲ 5.6%

3 BR$1,480▲ 5.0%

4 BR$1,570▲ 9.0%

FY2027 FY2026

Where 36640 sits in the Mobile, AL area

Of the 50 ZIP codes HUD lists for the area, 36640 has the 16th highest two-bedroom Small Area FMR. Mobile, 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 $1,026 and $1,254 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$940	$846 – $1,034	$938	$850
1 bedroom	$980	$882 – $1,078	$981	$920
2 bedrooms	$1,140	$1,026 – $1,254	$1,139	$1,080
3 bedrooms	$1,480	$1,332 – $1,628	$1,474	$1,410
4 bedrooms	$1,570	$1,413 – $1,727	$1,565	$1,440

A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $83,300 and the 80% low-income limit for four people is $66,650. ZIP code 36640 lies mainly in Mobile County. See the Mobile, AL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
36609	Mobile	0.9 mi	$1,160
36688	Mobile	2.6 mi	$1,310
36693	Mobile	2.8 mi	$1,200
36606	Mobile	4.3 mi	$1,050
36619	Mobile	4.5 mi	$1,210
36607	Mobile	5.1 mi	$1,110

Questions

What is the Fair Market Rent for ZIP code 36640?

HUD's FY2027 Small Area Fair Market Rents for 36640 are $940 (studio), $980 (1 BR), $1,140 (2 BR), $1,480 (3 BR) and $1,570 (4 BR) a month.

What is the Section 8 payment standard in 36640?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 36640 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 36640?

The FY2026 income limits of the Mobile, AL area apply: median family income $83,300, low-income (80%) limit $66,650 for a family of four.