FY2027 Small Area FMR · Bells, TN
ZIP 38006 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38006 (Bells, TN) is $1,150 a month, unchanged from FY2026. That is 16% below the Jackson, TN area-wide FMR of $1,375.
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 38006 sits in the Jackson, TN area
Of the 27 ZIP codes HUD lists for the area, 38006 has the 12th highest two-bedroom Small Area FMR. Jackson, 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 $1,375 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,150 for this ZIP code instead.
ZIP code 38006 crosses more than one HUD area. HUD also lists it under Crockett County, TN (same figures) and Haywood 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 | $820 | $738 – $902 | $957 | $810 |
| 1 bedroom | $890 | $801 – $979 | $1,051 | $890 |
| 2 bedrooms | $1,150 | $1,035 – $1,265 | $1,375 | $1,150 |
| 3 bedrooms | $1,530 | $1,377 – $1,683 | $1,730 | $1,490 |
| 4 bedrooms | $1,690 | $1,521 – $1,859 | $1,898 | $1,720 |
A household renting a two-bedroom home at the Small Area FMR of $1,150 needs about $46,000 a year to keep housing costs at 30% of income. The area median family income is $79,500 and the 80% low-income limit for four people is $63,600. ZIP code 38006 lies mainly in Haywood County, Crockett County and Madison County. See the Jackson, TN 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 38006?
HUD's FY2027 Small Area Fair Market Rents for 38006 are $820 (studio), $890 (1 BR), $1,150 (2 BR), $1,530 (3 BR) and $1,690 (4 BR) a month.
What is the Section 8 payment standard in 38006?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38006 that range is $1,035 to $1,265 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 38006?
The FY2026 income limits of the Jackson, TN area apply: median family income $79,500, low-income (80%) limit $63,600 for a family of four.