FY2027 Small Area FMR · Cross Plains, TN

ZIP 37049 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 37049 (Cross Plains, TN) is $1,300 a month, down 1.5% from FY2026. That is 28% below the Nashville-Davidson--Murfreesboro--Franklin, TN area-wide FMR of $1,798.

2-bedroom SAFMR$1,300per month ▼ 1.5%

Area-wide 2 BR FMR$1,798Nashville-Davidson--Murfrees

Rank in the area96thof 125 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,170

2 BR Small Area FMR$1,300

110% of SAFMR$1,430

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

Studio$1,150■ 0.0%

1 BR$1,190▲ 1.7%

2 BR$1,300▼ 1.5%

3 BR$1,670▲ 0.6%

4 BR$2,020■ 0.0%

FY2027 FY2026

Where 37049 sits in the Nashville-Davidson--Murfreesboro--Franklin, TN area

Of the 125 ZIP codes HUD lists for the area, 37049 has the 96th highest two-bedroom Small Area FMR. Nashville-Davidson--Murfreesboro--Franklin, TN 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 $1,170 and $1,430 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,150	$1,035 – $1,265	$1,585	$1,150
1 bedroom	$1,190	$1,071 – $1,309	$1,650	$1,170
2 bedrooms	$1,300	$1,170 – $1,430	$1,798	$1,320
3 bedrooms	$1,670	$1,503 – $1,837	$2,309	$1,660
4 bedrooms	$2,020	$1,818 – $2,222	$2,799	$2,020

A household renting a two-bedroom home at the Small Area FMR of $1,300 needs about $52,000 a year to keep housing costs at 30% of income. The area median family income is $116,100 and the 80% low-income limit for four people is $92,900. ZIP code 37049 lies mainly in Robertson County and Sumner County. See the Nashville-Davidson--Murfreesboro--Franklin, TN metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
37141	Orlinda	4.3 mi	$1,420
37188	White House	5.3 mi	$1,700
37048	Cottontown	6.2 mi	$1,190
37148	Portland	9.8 mi	$1,290
37172	Springfield	10.6 mi	$1,440
37073	Greenbrier	11.7 mi	$1,360

Questions

What is the Fair Market Rent for ZIP code 37049?

HUD's FY2027 Small Area Fair Market Rents for 37049 are $1,150 (studio), $1,190 (1 BR), $1,300 (2 BR), $1,670 (3 BR) and $2,020 (4 BR) a month.

What is the Section 8 payment standard in 37049?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 37049 that range is $1,170 to $1,430 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 37049?

The FY2026 income limits of the Nashville-Davidson--Murfreesboro--Franklin, TN area apply: median family income $116,100, low-income (80%) limit $92,900 for a family of four.