FY2027 Small Area FMR · Smithfield, NE

ZIP 68976 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 68976 (Smithfield, NE) is $1,080 a month, unchanged from FY2026. That is 7% above the Gosper County, NE area-wide FMR of $1,014.

2-bedroom SAFMR$1,080per month ■ 0.0%

Area-wide 2 BR FMR$1,014Gosper County, NE

Rank in the area5thof 10 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$972

2 BR Small Area FMR$1,080

110% of SAFMR$1,188

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

Studio$780▲ 5.4%

1 BR$830▼ 4.6%

2 BR$1,080■ 0.0%

3 BR$1,430▲ 1.4%

4 BR$1,470▼ 7.0%

FY2027 FY2026

Where 68976 sits in the Gosper County, NE area

Of the 10 ZIP codes HUD lists for the area, 68976 has the 5th highest two-bedroom Small Area FMR. Gosper County, NE 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,080 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	$780	$702 – $858	$734	$740
1 bedroom	$830	$747 – $913	$775	$870
2 bedrooms	$1,080	$972 – $1,188	$1,014	$1,080
3 bedrooms	$1,430	$1,287 – $1,573	$1,346	$1,410
4 bedrooms	$1,470	$1,323 – $1,617	$1,380	$1,580

A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 a year to keep housing costs at 30% of income. The area median family income is $91,700 and the 80% low-income limit for four people is $75,300. ZIP code 68976 lies mainly in Gosper County. See the Gosper County, NE county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
68927	Bertrand	7.9 mi	$1,060
68937	Elwood	8.1 mi	$1,010
68958	Loomis	13.1 mi	$1,010
68863	Overton	15.9 mi	$1,090
68850	Lexington	16.3 mi	$1,110
69028	Eustis	17.4 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 68976?

HUD's FY2027 Small Area Fair Market Rents for 68976 are $780 (studio), $830 (1 BR), $1,080 (2 BR), $1,430 (3 BR) and $1,470 (4 BR) a month.

What is the Section 8 payment standard in 68976?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 68976 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 68976?

The FY2026 income limits of the Gosper County, NE area apply: median family income $91,700, low-income (80%) limit $75,300 for a family of four.