FY2027 Small Area FMR · Brush Creek, TN

ZIP 38547 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38547 (Brush Creek, TN) is $1,060 a month, up 5.0% from FY2026. That is 8% below the Smith County, TN area-wide FMR of $1,146.

2-bedroom SAFMR$1,060per month ▲ 5.0%

Area-wide 2 BR FMR$1,146Smith County, TN

Rank in the area9thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$954

2 BR Small Area FMR$1,060

110% of SAFMR$1,166

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

Studio$830▲ 5.1%

1 BR$840▲ 5.0%

2 BR$1,060▲ 5.0%

3 BR$1,320▲ 2.3%

4 BR$1,510▲ 5.6%

FY2027 FY2026

Where 38547 sits in the Smith County, TN area

Of the 15 ZIP codes HUD lists for the area, 38547 has the 9th highest two-bedroom Small Area FMR. Smith 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 $1,146 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,060 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	$830	$747 – $913	$870	$790
1 bedroom	$840	$756 – $924	$876	$800
2 bedrooms	$1,060	$954 – $1,166	$1,146	$1,010
3 bedrooms	$1,320	$1,188 – $1,452	$1,407	$1,290
4 bedrooms	$1,510	$1,359 – $1,661	$1,506	$1,430

A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 a year to keep housing costs at 30% of income. The area median family income is $85,900 and the 80% low-income limit for four people is $68,700. ZIP code 38547 lies mainly in Smith County. See the Smith County, TN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
38563	Gordonsville	3.8 mi	$1,030
38567	Hickman	4.9 mi	$1,020
37012	Alexandria	5.6 mi	$1,190
37030	Carthage	8.9 mi	$1,190
37184	Watertown	9.0 mi	$1,190
38569	Lancaster	9.2 mi	$1,020

Questions

What is the Fair Market Rent for ZIP code 38547?

HUD's FY2027 Small Area Fair Market Rents for 38547 are $830 (studio), $840 (1 BR), $1,060 (2 BR), $1,320 (3 BR) and $1,510 (4 BR) a month.

What is the Section 8 payment standard in 38547?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38547 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 38547?

The FY2026 income limits of the Smith County, TN area apply: median family income $85,900, low-income (80%) limit $68,700 for a family of four.