FY2027 Small Area FMR · Rock Island, TN
ZIP 38581 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 38581 (Rock Island, TN) is $1,140 a month, up 7.5% from FY2026. That is 12% above the DeKalb County, TN area-wide FMR of $1,016.
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 38581 sits in the DeKalb County, TN area
Of the 12 ZIP codes HUD lists for the area, 38581 has the 6th highest two-bedroom Small Area FMR. DeKalb 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 $1,016 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,140 for this ZIP code instead.
ZIP code 38581 crosses more than one HUD area. HUD also lists it under Van Buren County, TN (same figures), Warren County, TN (same figures) and White 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 | $860 | $774 – $946 | $772 | $800 |
| 1 bedroom | $870 | $783 – $957 | $777 | $810 |
| 2 bedrooms | $1,140 | $1,026 – $1,254 | $1,016 | $1,060 |
| 3 bedrooms | $1,360 | $1,224 – $1,496 | $1,299 | $1,300 |
| 4 bedrooms | $1,520 | $1,368 – $1,672 | $1,698 | $1,420 |
A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $70,400 and the 80% low-income limit for four people is $62,400. ZIP code 38581 lies mainly in Warren County, Van Buren County and DeKalb County. See the DeKalb 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 38581?
HUD's FY2027 Small Area Fair Market Rents for 38581 are $860 (studio), $870 (1 BR), $1,140 (2 BR), $1,360 (3 BR) and $1,520 (4 BR) a month.
What is the Section 8 payment standard in 38581?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 38581 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 38581?
The FY2026 income limits of the DeKalb County, TN area apply: median family income $70,400, low-income (80%) limit $62,400 for a family of four.