FY2027 Small Area FMR · Camden, MS
ZIP 39045 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 39045 (Camden, MS) is $1,050 a month, up 4.0% from FY2026. That is 19% below the Jackson, MS area-wide FMR of $1,289.
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 39045 sits in the Jackson, MS area
Of the 69 ZIP codes HUD lists for the area, 39045 has the 50th highest two-bedroom Small Area FMR. Jackson, MS is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $945 and $1,155 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $890 | $801 – $979 | $1,099 | $850 |
| 1 bedroom | $900 | $810 – $990 | $1,105 | $870 |
| 2 bedrooms | $1,050 | $945 – $1,155 | $1,289 | $1,010 |
| 3 bedrooms | $1,320 | $1,188 – $1,452 | $1,536 | $1,260 |
| 4 bedrooms | $1,470 | $1,323 – $1,617 | $1,694 | $1,340 |
A household renting a two-bedroom home at the Small Area FMR of $1,050 needs about $42,000 a year to keep housing costs at 30% of income. The area median family income is $91,400 and the 80% low-income limit for four people is $73,100. ZIP code 39045 lies mainly in Madison County. See the Jackson, MS metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 39045?
HUD's FY2027 Small Area Fair Market Rents for 39045 are $890 (studio), $900 (1 BR), $1,050 (2 BR), $1,320 (3 BR) and $1,470 (4 BR) a month.
What is the Section 8 payment standard in 39045?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 39045 that range is $945 to $1,155 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 39045?
The FY2026 income limits of the Jackson, MS area apply: median family income $91,400, low-income (80%) limit $73,100 for a family of four.