FY2027 Small Area FMR · Ocean Springs, MS

ZIP 39564 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 39564 (Ocean Springs, MS) is $1,330 a month, up 4.7% from FY2026. That is 21% above the Pascagoula, MS area-wide FMR of $1,099.

2-bedroom SAFMR$1,330per month ▲ 4.7%

Area-wide 2 BR FMR$1,099Pascagoula, MS

Rank in the area1stof 14 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,197

2 BR Small Area FMR$1,330

110% of SAFMR$1,463

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

Studio$1,160▲ 4.5%

1 BR$1,170▲ 3.5%

2 BR$1,330▲ 4.7%

3 BR$1,820▲ 5.8%

4 BR$2,130▲ 1.4%

FY2027 FY2026

Where 39564 sits in the Pascagoula, MS area

Of the 14 ZIP codes HUD lists for the area, 39564 has the 1st highest two-bedroom Small Area FMR. Pascagoula, 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 $1,099 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,330 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	$1,160	$1,044 – $1,276	$960	$1,110
1 bedroom	$1,170	$1,053 – $1,287	$966	$1,130
2 bedrooms	$1,330	$1,197 – $1,463	$1,099	$1,270
3 bedrooms	$1,820	$1,638 – $2,002	$1,506	$1,720
4 bedrooms	$2,130	$1,917 – $2,343	$1,759	$2,100

A household renting a two-bedroom home at the Small Area FMR of $1,330 needs about $53,200 a year to keep housing costs at 30% of income. The area median family income is $86,800 and the 80% low-income limit for four people is $69,450. ZIP code 39564 lies mainly in Jackson County. See the Pascagoula, MS county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
39530	Biloxi	6.5 mi	$1,030
39553	Gautier	7.6 mi	$1,060
39540	Diberville	7.9 mi	$1,290
39534	Biloxi	9.1 mi	$1,030
39531	Biloxi	11.6 mi	$1,180
39565	Vancleave	12.7 mi	$1,110

Questions

What is the Fair Market Rent for ZIP code 39564?

HUD's FY2027 Small Area Fair Market Rents for 39564 are $1,160 (studio), $1,170 (1 BR), $1,330 (2 BR), $1,820 (3 BR) and $2,130 (4 BR) a month.

What is the Section 8 payment standard in 39564?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 39564 that range is $1,197 to $1,463 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 39564?

The FY2026 income limits of the Pascagoula, MS area apply: median family income $86,800, low-income (80%) limit $69,450 for a family of four.