FY2027 Small Area FMR · Pagosa Springs, CO

ZIP 81157 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 81157 (Pagosa Springs, CO) is $1,540 a month, up 14.9% from FY2026. That is 0% equal to the Archuleta County, CO area-wide FMR of $1,542.

2-bedroom SAFMR$1,540per month ▲ 14.9%

Area-wide 2 BR FMR$1,542Archuleta County, CO

Rank in the area3rdof 6 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,386

2 BR Small Area FMR$1,540

110% of SAFMR$1,694

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

Studio$1,250▲ 9.6%

1 BR$1,260▲ 10.5%

2 BR$1,540▲ 14.9%

3 BR$2,130▲ 14.5%

4 BR$2,570▲ 14.2%

FY2027 FY2026

Where 81157 sits in the Archuleta County, CO area

Of the 6 ZIP codes HUD lists for the area, 81157 has the 3rd highest two-bedroom Small Area FMR. Archuleta 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 $1,542 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 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	$1,250	$1,125 – $1,375	$1,253	$1,140
1 bedroom	$1,260	$1,134 – $1,386	$1,260	$1,140
2 bedrooms	$1,540	$1,386 – $1,694	$1,542	$1,340
3 bedrooms	$2,130	$1,917 – $2,343	$2,135	$1,860
4 bedrooms	$2,570	$2,313 – $2,827	$2,577	$2,250

A household renting a two-bedroom home at the Small Area FMR of $1,540 needs about $61,600 a year to keep housing costs at 30% of income. The area median family income is $98,300 and the 80% low-income limit for four people is $78,650. ZIP code 81157 lies mainly in Archuleta County. See the Archuleta County, CO county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
81147	Pagosa Springs	5.6 mi	$1,550
81130	Creede	19.3 mi	$1,470
81128	Chromo	25.1 mi	$1,370
81121	Arboles	26.1 mi	$1,510
81122	Bayfield	26.2 mi	$1,880
81154	South Fork	30.7 mi	$1,280

Questions

What is the Fair Market Rent for ZIP code 81157?

HUD's FY2027 Small Area Fair Market Rents for 81157 are $1,250 (studio), $1,260 (1 BR), $1,540 (2 BR), $2,130 (3 BR) and $2,570 (4 BR) a month.

What is the Section 8 payment standard in 81157?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 81157 that range is $1,386 to $1,694 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 81157?

The FY2026 income limits of the Archuleta County, CO area apply: median family income $98,300, low-income (80%) limit $78,650 for a family of four.