FY2027 Small Area FMR · Charlotte, AR

ZIP 72522 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 72522 (Charlotte, AR) is $920 a month, up 4.5% from FY2026. That is 1% below the Independence County, AR area-wide FMR of $934.

2-bedroom SAFMR$920per month ▲ 4.5%

Area-wide 2 BR FMR$934Independence County, AR

Rank in the area14thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$828

2 BR Small Area FMR$920

110% of SAFMR$1,012

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

Studio$650▼ 4.4%

1 BR$730▲ 7.4%

2 BR$920▲ 4.5%

3 BR$1,200▲ 2.6%

4 BR$1,200▲ 1.7%

FY2027 FY2026

Where 72522 sits in the Independence County, AR area

Of the 22 ZIP codes HUD lists for the area, 72522 has the 14th highest two-bedroom Small Area FMR. Independence County, AR 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 $934 for two bedrooms; an agency that opts in to Small Area FMRs would use $920 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	$650	$585 – $715	$664	$680
1 bedroom	$730	$657 – $803	$740	$680
2 bedrooms	$920	$828 – $1,012	$934	$880
3 bedrooms	$1,200	$1,080 – $1,320	$1,221	$1,170
4 bedrooms	$1,200	$1,080 – $1,320	$1,228	$1,180

A household renting a two-bedroom home at the Small Area FMR of $920 needs about $36,800 a year to keep housing costs at 30% of income. The area median family income is $70,700 and the 80% low-income limit for four people is $56,900. ZIP code 72522 lies mainly in Independence County. See the Independence County, AR county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
72579	Sulphur Rock	2.2 mi	$910
72562	Newark	6.5 mi	$910
72553	Magness	7.7 mi	$940
72524	Cord	9.1 mi	$910
72501	Batesville	10.3 mi	$940
72521	Cave City	10.4 mi	$910

Questions

What is the Fair Market Rent for ZIP code 72522?

HUD's FY2027 Small Area Fair Market Rents for 72522 are $650 (studio), $730 (1 BR), $920 (2 BR), $1,200 (3 BR) and $1,200 (4 BR) a month.

What is the Section 8 payment standard in 72522?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 72522 that range is $828 to $1,012 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 72522?

The FY2026 income limits of the Independence County, AR area apply: median family income $70,700, low-income (80%) limit $56,900 for a family of four.