FY2027 Small Area FMR · Union City, TN

ZIP 38281 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38281 (Union City, TN) is $1,000 a month, up 7.5% from FY2026. That is 1% above the Obion County, TN area-wide FMR of $995.

2-bedroom SAFMR$1,000per month ▲ 7.5%

Area-wide 2 BR FMR$995Obion County, TN

Rank in the area6thof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$900

2 BR Small Area FMR$1,000

110% of SAFMR$1,100

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

Studio$760▲ 4.1%

1 BR$760▲ 4.1%

2 BR$1,000▲ 7.5%

3 BR$1,260▲ 5.9%

4 BR$1,310▲ 6.5%

FY2027 FY2026

Where 38281 sits in the Obion County, TN area

Of the 14 ZIP codes HUD lists for the area, 38281 has the 6th highest two-bedroom Small Area FMR. Obion 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 $1,000 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	$760	$684 – $836	$756	$730
1 bedroom	$760	$684 – $836	$761	$730
2 bedrooms	$1,000	$900 – $1,100	$995	$930
3 bedrooms	$1,260	$1,134 – $1,386	$1,255	$1,190
4 bedrooms	$1,310	$1,179 – $1,441	$1,308	$1,230

A household renting a two-bedroom home at the Small Area FMR of $1,000 needs about $40,000 a year to keep housing costs at 30% of income. The area median family income is $77,200 and the 80% low-income limit for four people is $62,400. ZIP code 38281 lies mainly in Obion County. See the Obion County, TN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
38261	Union City	3.2 mi	$1,000
38260	Troy	9.1 mi	$1,000
38253	Rives	10.2 mi	$1,080
38257	South Fulton	10.3 mi	$1,040
42050	Hickman	12.8 mi	$950
38237	Martin	13.0 mi	$1,050

Questions

What is the Fair Market Rent for ZIP code 38281?

HUD's FY2027 Small Area Fair Market Rents for 38281 are $760 (studio), $760 (1 BR), $1,000 (2 BR), $1,260 (3 BR) and $1,310 (4 BR) a month.

What is the Section 8 payment standard in 38281?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38281 that range is $900 to $1,100 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 38281?

The FY2026 income limits of the Obion County, TN area apply: median family income $77,200, low-income (80%) limit $62,400 for a family of four.