FY2027 Small Area FMR · Loachapoka, AL

ZIP 36865 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 36865 (Loachapoka, AL) is $1,290 a month, up 8.4% from FY2026. That is 1% above the Auburn-Opelika, AL area-wide FMR of $1,277.

2-bedroom SAFMR$1,290per month ▲ 8.4%

Area-wide 2 BR FMR$1,277Auburn-Opelika, AL

Rank in the area4thof 17 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,161

2 BR Small Area FMR$1,290

110% of SAFMR$1,419

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

Studio$900▲ 5.9%

1 BR$1,180▲ 8.3%

2 BR$1,290▲ 8.4%

3 BR$1,560▲ 3.3%

4 BR$1,810▲ 5.8%

FY2027 FY2026

Where 36865 sits in the Auburn-Opelika, AL area

Of the 17 ZIP codes HUD lists for the area, 36865 has the 4th highest two-bedroom Small Area FMR. Auburn-Opelika, 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 $1,277 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,290 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	$900	$810 – $990	$891	$850
1 bedroom	$1,180	$1,062 – $1,298	$1,167	$1,090
2 bedrooms	$1,290	$1,161 – $1,419	$1,277	$1,190
3 bedrooms	$1,560	$1,404 – $1,716	$1,548	$1,510
4 bedrooms	$1,810	$1,629 – $1,991	$1,794	$1,710

A household renting a two-bedroom home at the Small Area FMR of $1,290 needs about $51,600 a year to keep housing costs at 30% of income. The area median family income is $108,900 and the 80% low-income limit for four people is $83,850. ZIP code 36865 lies mainly in Lee County. See the Auburn-Opelika, AL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
36832	Auburn	1.4 mi	$1,290
36849	Auburn University	5.9 mi	$1,360
36830	Auburn	7.3 mi	$1,450
36866	Notasulga	7.6 mi	$1,070
36879	Waverly	8.8 mi	$1,070
36801	Opelika	12.9 mi	$1,190

Questions

What is the Fair Market Rent for ZIP code 36865?

HUD's FY2027 Small Area Fair Market Rents for 36865 are $900 (studio), $1,180 (1 BR), $1,290 (2 BR), $1,560 (3 BR) and $1,810 (4 BR) a month.

What is the Section 8 payment standard in 36865?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 36865 that range is $1,161 to $1,419 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 36865?

The FY2026 income limits of the Auburn-Opelika, AL area apply: median family income $108,900, low-income (80%) limit $83,850 for a family of four.