FY2027 Small Area FMR · Lucerne, CO

ZIP 80646 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 80646 (Lucerne, CO) is $1,650 a month, up 5.8% from FY2026. That is 0% equal to the Greeley, CO area-wide FMR of $1,647.

2-bedroom SAFMR$1,650per month ▲ 5.8%

Area-wide 2 BR FMR$1,647Greeley, CO

Rank in the area28thof 50 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,485

2 BR Small Area FMR$1,650

110% of SAFMR$1,815

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

Studio$1,240▲ 6.0%

1 BR$1,310▲ 5.6%

2 BR$1,650▲ 5.8%

3 BR$2,280▲ 5.1%

4 BR$2,760▲ 6.6%

FY2027 FY2026

Where 80646 sits in the Greeley, CO area

Of the 50 ZIP codes HUD lists for the area, 80646 has the 28th highest two-bedroom Small Area FMR. Greeley, 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 $1,647 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,650 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	$1,240	$1,116 – $1,364	$1,240	$1,170
1 bedroom	$1,310	$1,179 – $1,441	$1,307	$1,240
2 bedrooms	$1,650	$1,485 – $1,815	$1,647	$1,560
3 bedrooms	$2,280	$2,052 – $2,508	$2,281	$2,170
4 bedrooms	$2,760	$2,484 – $3,036	$2,753	$2,590

A household renting a two-bedroom home at the Small Area FMR of $1,650 needs about $66,000 a year to keep housing costs at 30% of income. The area median family income is $128,000 and the 80% low-income limit for four people is $99,900. ZIP code 80646 lies mainly in Weld County. See the Greeley, CO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
80631	Greeley	3.2 mi	$1,450
80615	Eaton	5.4 mi	$1,660
80634	Greeley	7.1 mi	$1,750
80620	Evans	7.5 mi	$1,650
80546	Severance	8.1 mi	$1,860
80550	Windsor	10.5 mi	$1,930

Questions

What is the Fair Market Rent for ZIP code 80646?

HUD's FY2027 Small Area Fair Market Rents for 80646 are $1,240 (studio), $1,310 (1 BR), $1,650 (2 BR), $2,280 (3 BR) and $2,760 (4 BR) a month.

What is the Section 8 payment standard in 80646?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 80646 that range is $1,485 to $1,815 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 80646?

The FY2026 income limits of the Greeley, CO area apply: median family income $128,000, low-income (80%) limit $99,900 for a family of four.