FY2027 Small Area FMR · Laurel, MS

ZIP 39440 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 39440 (Laurel, MS) is $1,020 a month, up 6.2% from FY2026. That is 3% above the Jones County, MS area-wide FMR of $986.

2-bedroom SAFMR$1,020per month ▲ 6.2%

Area-wide 2 BR FMR$986Jones County, MS

Rank in the area4thof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$918

2 BR Small Area FMR$1,020

110% of SAFMR$1,122

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

Studio$770▲ 5.5%

1 BR$780▲ 6.8%

2 BR$1,020▲ 6.2%

3 BR$1,220▲ 6.1%

4 BR$1,610▲ 22.9%

FY2027 FY2026

Where 39440 sits in the Jones County, MS area

Of the 13 ZIP codes HUD lists for the area, 39440 has the 4th highest two-bedroom Small Area FMR. Jones County, MS 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 $986 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,020 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	$770	$693 – $847	$749	$730
1 bedroom	$780	$702 – $858	$754	$730
2 bedrooms	$1,020	$918 – $1,122	$986	$960
3 bedrooms	$1,220	$1,098 – $1,342	$1,175	$1,150
4 bedrooms	$1,610	$1,449 – $1,771	$1,559	$1,310

A household renting a two-bedroom home at the Small Area FMR of $1,020 needs about $40,800 a year to keep housing costs at 30% of income. The area median family income is $72,300 and the 80% low-income limit for four people is $57,850. ZIP code 39440 lies mainly in Jones County. See the Jones County, MS county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
39443	Laurel	4.4 mi	$910
39437	Ellisville	8.9 mi	$950
39477	Sandersville	9.4 mi	$910
39480	Soso	9.9 mi	$1,010
39481	Stringer	13.2 mi	$1,110
39439	Heidelberg	13.3 mi	$940

Questions

What is the Fair Market Rent for ZIP code 39440?

HUD's FY2027 Small Area Fair Market Rents for 39440 are $770 (studio), $780 (1 BR), $1,020 (2 BR), $1,220 (3 BR) and $1,610 (4 BR) a month.

What is the Section 8 payment standard in 39440?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 39440 that range is $918 to $1,122 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 39440?

The FY2026 income limits of the Jones County, MS area apply: median family income $72,300, low-income (80%) limit $57,850 for a family of four.