FY2027 Small Area FMR · Garber, IA

ZIP 52048 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 52048 (Garber, IA) is $980 a month, up 3.2% from FY2026. That is 6% above the Clayton County, IA area-wide FMR of $927.

2-bedroom SAFMR$980per month ▲ 3.2%

Area-wide 2 BR FMR$927Clayton County, IA

Rank in the area11thof 24 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$882

2 BR Small Area FMR$980

110% of SAFMR$1,078

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

Studio$720▲ 2.9%

1 BR$800▲ 5.3%

2 BR$980▲ 3.2%

3 BR$1,210▲ 4.3%

4 BR$1,510▲ 13.5%

FY2027 FY2026

Where 52048 sits in the Clayton County, IA area

Of the 24 ZIP codes HUD lists for the area, 52048 has the 11th highest two-bedroom Small Area FMR. Clayton County, IA 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 $927 for two bedrooms; an agency that opts in to Small Area FMRs would use $980 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	$720	$648 – $792	$688	$700
1 bedroom	$800	$720 – $880	$721	$760
2 bedrooms	$980	$882 – $1,078	$927	$950
3 bedrooms	$1,210	$1,089 – $1,331	$1,169	$1,160
4 bedrooms	$1,510	$1,359 – $1,661	$1,383	$1,330

A household renting a two-bedroom home at the Small Area FMR of $980 needs about $39,200 a year to keep housing costs at 30% of income. The area median family income is $87,000 and the 80% low-income limit for four people is $75,300. ZIP code 52048 lies mainly in Clayton County. See the Clayton County, IA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
52044	Elkport	3.8 mi	$1,030
52042	Edgewood	5.9 mi	$1,050
52035	Colesburg	6.3 mi	$930
52052	Guttenberg	7.1 mi	$970
52050	Greeley	10.2 mi	$1,000
52049	Garnavillo	10.3 mi	$1,030

Questions

What is the Fair Market Rent for ZIP code 52048?

HUD's FY2027 Small Area Fair Market Rents for 52048 are $720 (studio), $800 (1 BR), $980 (2 BR), $1,210 (3 BR) and $1,510 (4 BR) a month.

What is the Section 8 payment standard in 52048?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 52048 that range is $882 to $1,078 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 52048?

The FY2026 income limits of the Clayton County, IA area apply: median family income $87,000, low-income (80%) limit $75,300 for a family of four.