FY2027 Small Area FMR · Pleasant Hill, TN

ZIP 38578 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38578 (Pleasant Hill, TN) is $1,000 a month, up 7.5% from FY2026. That is 4% below the Cumberland County, TN area-wide FMR of $1,039.

2-bedroom SAFMR$1,000per month ▲ 7.5%

Area-wide 2 BR FMR$1,039Cumberland County, TN

Rank in the area12thof 13 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$760▲ 7.0%

2 BR$1,000▲ 7.5%

3 BR$1,350▲ 5.5%

4 BR$1,360■ 0.0%

FY2027 FY2026

Where 38578 sits in the Cumberland County, TN area

Of the 13 ZIP codes HUD lists for the area, 38578 has the 12th highest two-bedroom Small Area FMR. Cumberland 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 $1,039 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	$789	$710
1 bedroom	$760	$684 – $836	$794	$710
2 bedrooms	$1,000	$900 – $1,100	$1,039	$930
3 bedrooms	$1,350	$1,215 – $1,485	$1,410	$1,280
4 bedrooms	$1,360	$1,224 – $1,496	$1,425	$1,360

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 $78,200 and the 80% low-income limit for four people is $62,550. ZIP code 38578 lies mainly in Cumberland County. See the Cumberland County, TN county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
38572	Crossville	10.0 mi	$1,070
38574	Monterey	11.3 mi	$1,000
38571	Crossville	11.4 mi	$1,010
38555	Crossville	13.4 mi	$1,010
38583	Sparta	13.9 mi	$1,040
38553	Clarkrange	18.4 mi	$1,000

Questions

What is the Fair Market Rent for ZIP code 38578?

HUD's FY2027 Small Area Fair Market Rents for 38578 are $760 (studio), $760 (1 BR), $1,000 (2 BR), $1,350 (3 BR) and $1,360 (4 BR) a month.

What is the Section 8 payment standard in 38578?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38578 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 38578?

The FY2026 income limits of the Cumberland County, TN area apply: median family income $78,200, low-income (80%) limit $62,550 for a family of four.