FY2027 Small Area FMR · Chama, CO

ZIP 81126 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 81126 (Chama, CO) is $1,010 a month, up 4.1% from FY2026. That is 0% equal to the Costilla County, CO area-wide FMR of $1,014.

2-bedroom SAFMR$1,010per month ▲ 4.1%

Area-wide 2 BR FMR$1,014Costilla County, CO

Rank in the area6thof 6 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$909

2 BR Small Area FMR$1,010

110% of SAFMR$1,111

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

Studio$750▲ 1.4%

1 BR$780▲ 5.4%

2 BR$1,010▲ 4.1%

3 BR$1,410▲ 4.4%

4 BR$1,580▲ 3.3%

FY2027 FY2026

Where 81126 sits in the Costilla County, CO area

Of the 6 ZIP codes HUD lists for the area, 81126 has the 6th highest two-bedroom Small Area FMR. Costilla 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 $1,010 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	$750	$675 – $825	$753	$740
1 bedroom	$780	$702 – $858	$781	$740
2 bedrooms	$1,010	$909 – $1,111	$1,014	$970
3 bedrooms	$1,410	$1,269 – $1,551	$1,404	$1,350
4 bedrooms	$1,580	$1,422 – $1,738	$1,575	$1,530

A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $52,800 and the 80% low-income limit for four people is $77,900. ZIP code 81126 lies mainly in Costilla County. See the Costilla County, CO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
81152	San Luis	4.8 mi	$1,090
87512	Amalia	16.0 mi	$1,160
81138	Jaroso	17.9 mi	$1,030
81133	Fort Garland	19.0 mi	$1,070
81091	Weston	20.4 mi	$1,040
81123	Blanca	21.3 mi	$1,140

Questions

What is the Fair Market Rent for ZIP code 81126?

HUD's FY2027 Small Area Fair Market Rents for 81126 are $750 (studio), $780 (1 BR), $1,010 (2 BR), $1,410 (3 BR) and $1,580 (4 BR) a month.

What is the Section 8 payment standard in 81126?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 81126 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 81126?

The FY2026 income limits of the Costilla County, CO area apply: median family income $52,800, low-income (80%) limit $77,900 for a family of four.