FY2027 Small Area FMR · Garber, OK
ZIP 73738 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 73738 (Garber, OK) is $1,070 a month, unchanged from FY2026. That is 7% above the Enid, OK area-wide FMR of $997.
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 73738 sits in the Enid, OK area
Of the 24 ZIP codes HUD lists for the area, 73738 has the 3rd highest two-bedroom Small Area FMR. Enid, OK 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 $997 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,070 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $750 | $675 – $825 | $707 | $820 |
| 1 bedroom | $880 | $792 – $968 | $818 | $830 |
| 2 bedrooms | $1,070 | $963 – $1,177 | $997 | $1,070 |
| 3 bedrooms | $1,400 | $1,260 – $1,540 | $1,305 | $1,390 |
| 4 bedrooms | $1,410 | $1,269 – $1,551 | $1,310 | $1,420 |
A household renting a two-bedroom home at the Small Area FMR of $1,070 needs about $42,800 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 $69,600. ZIP code 73738 lies mainly in Garfield County. See the Enid, OK county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 73738?
HUD's FY2027 Small Area Fair Market Rents for 73738 are $750 (studio), $880 (1 BR), $1,070 (2 BR), $1,400 (3 BR) and $1,410 (4 BR) a month.
What is the Section 8 payment standard in 73738?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 73738 that range is $963 to $1,177 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 73738?
The FY2026 income limits of the Enid, OK area apply: median family income $87,000, low-income (80%) limit $69,600 for a family of four.