FY2027 Small Area FMR · Loveland, CO

ZIP 80539 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 80539 (Loveland, CO) is $1,760 a month, up 1.7% from FY2026. That is 0% equal to the Fort Collins-Loveland, CO area-wide FMR of $1,759.

2-bedroom SAFMR$1,760per month ▲ 1.7%

Area-wide 2 BR FMR$1,759Fort Collins-Loveland, CO

Rank in the area14thof 30 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,584

2 BR Small Area FMR$1,760

110% of SAFMR$1,936

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

Studio$1,550▲ 2.6%

1 BR$1,590▲ 3.2%

2 BR$1,760▲ 1.7%

3 BR$2,380■ 0.0%

4 BR$2,580▲ 1.6%

FY2027 FY2026

Where 80539 sits in the Fort Collins-Loveland, CO area

Of the 30 ZIP codes HUD lists for the area, 80539 has the 14th highest two-bedroom Small Area FMR. Fort Collins-Loveland, CO 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 $1,759 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,760 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	$1,550	$1,395 – $1,705	$1,551	$1,510
1 bedroom	$1,590	$1,431 – $1,749	$1,589	$1,540
2 bedrooms	$1,760	$1,584 – $1,936	$1,759	$1,730
3 bedrooms	$2,380	$2,142 – $2,618	$2,379	$2,380
4 bedrooms	$2,580	$2,322 – $2,838	$2,576	$2,540

A household renting a two-bedroom home at the Small Area FMR of $1,760 needs about $70,400 a year to keep housing costs at 30% of income. The area median family income is $130,400 and the 80% low-income limit for four people is $104,300. ZIP code 80539 lies mainly in Larimer County. See the Fort Collins-Loveland, CO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
80538	Loveland	4.3 mi	$1,820
80537	Loveland	5.9 mi	$1,680
80513	Berthoud	7.1 mi	$1,920
80528	Fort Collins	7.9 mi	$1,990
80534	Johnstown	8.5 mi	$1,910
80526	Fort Collins	9.1 mi	$1,700

Questions

What is the Fair Market Rent for ZIP code 80539?

HUD's FY2027 Small Area Fair Market Rents for 80539 are $1,550 (studio), $1,590 (1 BR), $1,760 (2 BR), $2,380 (3 BR) and $2,580 (4 BR) a month.

What is the Section 8 payment standard in 80539?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 80539 that range is $1,584 to $1,936 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 80539?

The FY2026 income limits of the Fort Collins-Loveland, CO area apply: median family income $130,400, low-income (80%) limit $104,300 for a family of four.