FY2027 Small Area FMR · Mount Carmel, TN

ZIP 37645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 37645 (Mount Carmel, TN) is $1,010 a month, up 3.1% from FY2026. That is 7% below the Kingsport-Bristol, TN-VA area-wide FMR of $1,091.

2-bedroom SAFMR$1,010per month ▲ 3.1%

Area-wide 2 BR FMR$1,091Kingsport-Bristol, TN-VA

Rank in the area37thof 53 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$700▲ 2.9%

1 BR$780▲ 1.3%

2 BR$1,010▲ 3.1%

3 BR$1,270▲ 0.8%

4 BR$1,360▼ 2.2%

FY2027 FY2026

Where 37645 sits in the Kingsport-Bristol, TN-VA area

Of the 53 ZIP codes HUD lists for the area, 37645 has the 37th highest two-bedroom Small Area FMR. Kingsport-Bristol, TN-VA 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 $1,091 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,010 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	$700	$630 – $770	$760	$680
1 bedroom	$780	$702 – $858	$845	$770
2 bedrooms	$1,010	$909 – $1,111	$1,091	$980
3 bedrooms	$1,270	$1,143 – $1,397	$1,375	$1,260
4 bedrooms	$1,360	$1,224 – $1,496	$1,465	$1,390

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 $81,800 and the 80% low-income limit for four people is $65,450. ZIP code 37645 lies mainly in Hawkins County. See the Kingsport-Bristol, TN-VA metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
37642	Church Hill	4.2 mi	$1,150
37665	Kingsport	5.2 mi	$1,000
37660	Kingsport	5.6 mi	$1,170
24290	Weber City	6.3 mi	$1,110
24251	Gate City	7.4 mi	$1,000
37664	Kingsport	9.5 mi	$1,050

Questions

What is the Fair Market Rent for ZIP code 37645?

HUD's FY2027 Small Area Fair Market Rents for 37645 are $700 (studio), $780 (1 BR), $1,010 (2 BR), $1,270 (3 BR) and $1,360 (4 BR) a month.

What is the Section 8 payment standard in 37645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 37645 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 37645?

The FY2026 income limits of the Kingsport-Bristol, TN-VA area apply: median family income $81,800, low-income (80%) limit $65,450 for a family of four.