FY2027 Small Area FMR · Duck River, TN
ZIP 38454 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38454 (Duck River, TN) is $1,220 a month, down 8.3% from FY2026. That is 19% above the Hickman County, TN area-wide FMR of $1,028.
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 38454 sits in the Hickman County, TN area
Of the 15 ZIP codes HUD lists for the area, 38454 has the 5th highest two-bedroom Small Area FMR. Hickman 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 $1,028 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,220 for this ZIP code instead.
ZIP code 38454 crosses more than one HUD area. HUD also lists it under Maury 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 | $1,020 | $918 – $1,122 | $781 | $1,040 |
| 1 bedroom | $1,030 | $927 – $1,133 | $786 | $1,040 |
| 2 bedrooms | $1,220 | $1,098 – $1,342 | $1,028 | $1,330 |
| 3 bedrooms | $1,540 | $1,386 – $1,694 | $1,312 | $1,690 |
| 4 bedrooms | $1,820 | $1,638 – $2,002 | $1,669 | $1,770 |
A household renting a two-bedroom home at the Small Area FMR of $1,220 needs about $48,800 a year to keep housing costs at 30% of income. The area median family income is $78,900 and the 80% low-income limit for four people is $63,100. ZIP code 38454 lies mainly in Hickman County. See the Hickman 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 38454?
HUD's FY2027 Small Area Fair Market Rents for 38454 are $1,020 (studio), $1,030 (1 BR), $1,220 (2 BR), $1,540 (3 BR) and $1,820 (4 BR) a month.
What is the Section 8 payment standard in 38454?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38454 that range is $1,098 to $1,342 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 38454?
The FY2026 income limits of the Hickman County, TN area apply: median family income $78,900, low-income (80%) limit $63,100 for a family of four.