FY2027 Small Area FMR · Cumberland Furnace, TN
ZIP 37051 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 37051 (Cumberland Furnace, TN) is $1,190 a month, down 9.8% from FY2026. That is 9% below the Clarksville, TN-KY area-wide FMR of $1,307.
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 37051 sits in the Clarksville, TN-KY area
Of the 35 ZIP codes HUD lists for the area, 37051 has the 33rd highest two-bedroom Small Area FMR. Clarksville, TN-KY 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 $1,307 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,190 for this ZIP code instead.
ZIP code 37051 crosses more than one HUD area. HUD also lists it under Nashville-Davidson--Murfreesboro--Franklin, TN (same figures) and Houston County, TN (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 | $1,040 | $936 – $1,144 | $1,061 | $1,150 |
| 1 bedroom | $1,060 | $954 – $1,166 | $1,068 | $1,170 |
| 2 bedrooms | $1,190 | $1,071 – $1,309 | $1,307 | $1,320 |
| 3 bedrooms | $1,500 | $1,350 – $1,650 | $1,786 | $1,660 |
| 4 bedrooms | $1,820 | $1,638 – $2,002 | $2,185 | $2,020 |
A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 a year to keep housing costs at 30% of income. The area median family income is $93,800 and the 80% low-income limit for four people is $75,050. ZIP code 37051 lies mainly in Dickson County, Montgomery County and Houston County. See the Clarksville, TN-KY 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 37051?
HUD's FY2027 Small Area Fair Market Rents for 37051 are $1,040 (studio), $1,060 (1 BR), $1,190 (2 BR), $1,500 (3 BR) and $1,820 (4 BR) a month.
What is the Section 8 payment standard in 37051?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 37051 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 37051?
The FY2026 income limits of the Clarksville, TN-KY area apply: median family income $93,800, low-income (80%) limit $75,050 for a family of four.