FY2027 Small Area FMR · Las Animas, CO
ZIP 81054 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 81054 (Las Animas, CO) is $1,170 a month, up 14.7% from FY2026. That is 15% above the Baca County, CO area-wide FMR of $1,014.
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 81054 sits in the Baca County, CO area
Of the 9 ZIP codes HUD lists for the area, 81054 has the 2nd highest two-bedroom Small Area FMR. Baca County, 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 $1,014 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,170 for this ZIP code instead.
ZIP code 81054 crosses more than one HUD area. HUD also lists it under Bent County, CO (same figures) and Las Animas County, CO (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $870 | $783 – $957 | $753 | $770 |
| 1 bedroom | $890 | $801 – $979 | $775 | $780 |
| 2 bedrooms | $1,170 | $1,053 – $1,287 | $1,014 | $1,020 |
| 3 bedrooms | $1,620 | $1,458 – $1,782 | $1,404 | $1,420 |
| 4 bedrooms | $1,820 | $1,638 – $2,002 | $1,575 | $1,600 |
A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 a year to keep housing costs at 30% of income. The area median family income is $70,600 and the 80% low-income limit for four people is $77,900. ZIP code 81054 lies mainly in Bent County, Las Animas County and Baca County. See the Baca County, CO 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 81054?
HUD's FY2027 Small Area Fair Market Rents for 81054 are $870 (studio), $890 (1 BR), $1,170 (2 BR), $1,620 (3 BR) and $1,820 (4 BR) a month.
What is the Section 8 payment standard in 81054?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 81054 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 81054?
The FY2026 income limits of the Baca County, CO area apply: median family income $70,600, low-income (80%) limit $77,900 for a family of four.