FY2027 Small Area FMR · Tennessee Ridge, TN
ZIP 37178 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 37178 (Tennessee Ridge, TN) is $1,010 a month, up 3.1% from FY2026. That is 2% above the Stewart County, TN area-wide FMR of $995.
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 37178 sits in the Stewart County, TN area
Of the 8 ZIP codes HUD lists for the area, 37178 has the 7th highest two-bedroom Small Area FMR. Stewart County, TN 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 $995 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 for this ZIP code instead.
ZIP code 37178 crosses more than one HUD area. HUD also lists it under 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 | $740 | $666 – $814 | $693 | $720 |
| 1 bedroom | $810 | $729 – $891 | $812 | $780 |
| 2 bedrooms | $1,010 | $909 – $1,111 | $995 | $980 |
| 3 bedrooms | $1,370 | $1,233 – $1,507 | $1,378 | $1,330 |
| 4 bedrooms | $1,650 | $1,485 – $1,815 | $1,663 | $1,610 |
A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $90,200 and the 80% low-income limit for four people is $72,150. ZIP code 37178 lies mainly in Houston County and Stewart County. See the Stewart County, TN county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 37178?
HUD's FY2027 Small Area Fair Market Rents for 37178 are $740 (studio), $810 (1 BR), $1,010 (2 BR), $1,370 (3 BR) and $1,650 (4 BR) a month.
What is the Section 8 payment standard in 37178?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 37178 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 37178?
The FY2026 income limits of the Stewart County, TN area apply: median family income $90,200, low-income (80%) limit $72,150 for a family of four.