FY2027 Small Area FMR · Hackberry, LA
ZIP 70645 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 70645 (Hackberry, LA) is $1,370 a month, down 2.1% from FY2026. That is 11% above the Lake Charles, LA area-wide FMR of $1,231.
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 70645 sits in the Lake Charles, LA area
Of the 28 ZIP codes HUD lists for the area, 70645 has the 4th highest two-bedroom Small Area FMR. Lake Charles, LA 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 $1,231 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,370 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,040 | $936 – $1,144 | $935 | $1,050 |
| 1 bedroom | $1,050 | $945 – $1,155 | $941 | $1,060 |
| 2 bedrooms | $1,370 | $1,233 – $1,507 | $1,231 | $1,400 |
| 3 bedrooms | $1,630 | $1,467 – $1,793 | $1,467 | $1,670 |
| 4 bedrooms | $1,910 | $1,719 – $2,101 | $1,713 | $1,850 |
A household renting a two-bedroom home at the Small Area FMR of $1,370 needs about $54,800 a year to keep housing costs at 30% of income. The area median family income is $93,000 and the 80% low-income limit for four people is $74,400. ZIP code 70645 lies mainly in Cameron Parish. See the Lake Charles, LA 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 70645?
HUD's FY2027 Small Area Fair Market Rents for 70645 are $1,040 (studio), $1,050 (1 BR), $1,370 (2 BR), $1,630 (3 BR) and $1,910 (4 BR) a month.
What is the Section 8 payment standard in 70645?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 70645 that range is $1,233 to $1,507 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 70645?
The FY2026 income limits of the Lake Charles, LA area apply: median family income $93,000, low-income (80%) limit $74,400 for a family of four.