FY2027 Small Area FMR · Moss, TN

ZIP 38575 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38575 (Moss, TN) is $1,000 a month, up 7.5% from FY2026. That is 1% above the Clay County, TN area-wide FMR of $995.

2-bedroom SAFMR$1,000per month ▲ 7.5%

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

Rank in the area4thof 8 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▲ 7.0%

1 BR$770▲ 6.9%

2 BR$1,000▲ 7.5%

3 BR$1,350▲ 7.1%

4 BR$1,380▲ 6.2%

FY2027 FY2026

Where 38575 sits in the Clay County, TN area

Of the 8 ZIP codes HUD lists for the area, 38575 has the 4th highest two-bedroom Small Area FMR. Clay 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	$710
1 bedroom	$770	$693 – $847	$761	$720
2 bedrooms	$1,000	$900 – $1,100	$995	$930
3 bedrooms	$1,350	$1,215 – $1,485	$1,360	$1,260
4 bedrooms	$1,380	$1,242 – $1,518	$1,365	$1,300

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 $60,300 and the 80% low-income limit for four people is $62,400. ZIP code 38575 lies mainly in Clay County. See the Clay County, TN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
38551	Celina	7.9 mi	$1,000
42151	Hestand	8.7 mi	$930
38588	Whitleyville	9.3 mi	$1,000
37150	Red Boiling Springs	10.1 mi	$1,000
38568	Hilham	11.8 mi	$1,080
42167	Tompkinsville	11.8 mi	$910

Questions

What is the Fair Market Rent for ZIP code 38575?

HUD's FY2027 Small Area Fair Market Rents for 38575 are $760 (studio), $770 (1 BR), $1,000 (2 BR), $1,350 (3 BR) and $1,380 (4 BR) a month.

What is the Section 8 payment standard in 38575?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38575 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 38575?

The FY2026 income limits of the Clay County, TN area apply: median family income $60,300, low-income (80%) limit $62,400 for a family of four.