FY2027 Small Area FMR · Gatlinburg, TN

ZIP 37738 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 37738 (Gatlinburg, TN) is $1,280 a month, up 4.9% from FY2026. That is 6% above the Sevier County, TN area-wide FMR of $1,213.

2-bedroom SAFMR$1,280per month ▲ 4.9%

Area-wide 2 BR FMR$1,213Sevier County, TN

Rank in the area4thof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,152

2 BR Small Area FMR$1,280

110% of SAFMR$1,408

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

Studio$1,090▲ 17.2%

1 BR$1,100▲ 7.8%

2 BR$1,280▲ 4.9%

3 BR$1,660▲ 3.8%

4 BR$1,680▲ 3.7%

FY2027 FY2026

Where 37738 sits in the Sevier County, TN area

Of the 13 ZIP codes HUD lists for the area, 37738 has the 4th highest two-bedroom Small Area FMR. Sevier 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 $1,213 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,280 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	$1,090	$981 – $1,199	$1,032	$930
1 bedroom	$1,100	$990 – $1,210	$1,038	$1,020
2 bedrooms	$1,280	$1,152 – $1,408	$1,213	$1,220
3 bedrooms	$1,660	$1,494 – $1,826	$1,569	$1,600
4 bedrooms	$1,680	$1,512 – $1,848	$1,594	$1,620

A household renting a two-bedroom home at the Small Area FMR of $1,280 needs about $51,200 a year to keep housing costs at 30% of income. The area median family income is $85,000 and the 80% low-income limit for four people is $68,000. ZIP code 37738 lies mainly in Sevier County. See the Sevier County, TN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
37863	Pigeon Forge	9.4 mi	$1,150
37862	Sevierville	10.7 mi	$1,150
28719	Cherokee	13.2 mi	$1,120
37876	Sevierville	13.5 mi	$1,200
37722	Cosby	18.3 mi	$1,090
28785	Waynesville	18.8 mi	$1,270

Questions

What is the Fair Market Rent for ZIP code 37738?

HUD's FY2027 Small Area Fair Market Rents for 37738 are $1,090 (studio), $1,100 (1 BR), $1,280 (2 BR), $1,660 (3 BR) and $1,680 (4 BR) a month.

What is the Section 8 payment standard in 37738?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 37738 that range is $1,152 to $1,408 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 37738?

The FY2026 income limits of the Sevier County, TN area apply: median family income $85,000, low-income (80%) limit $68,000 for a family of four.