FY2027 Small Area FMR · Hamilton, CO
ZIP 81638 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 81638 (Hamilton, CO) is $1,820 a month, up 6.4% from FY2026. That is 49% above the Moffat County, CO area-wide FMR of $1,225.
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 81638 sits in the Moffat County, CO area
Of the 7 ZIP codes HUD lists for the area, 81638 has the 2nd highest two-bedroom Small Area FMR. Moffat 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 $1,225 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,820 for this ZIP code instead.
ZIP code 81638 crosses more than one HUD area. HUD also lists it under Rio Blanco County, CO (same figures) and Routt 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 | $1,560 | $1,404 – $1,716 | $910 | $1,400 |
| 1 bedroom | $1,670 | $1,503 – $1,837 | $936 | $1,460 |
| 2 bedrooms | $1,820 | $1,638 – $2,002 | $1,225 | $1,710 |
| 3 bedrooms | $2,190 | $1,971 – $2,409 | $1,586 | $2,060 |
| 4 bedrooms | $2,860 | $2,574 – $3,146 | $1,992 | $2,730 |
A household renting a two-bedroom home at the Small Area FMR of $1,820 needs about $72,800 a year to keep housing costs at 30% of income. The area median family income is $96,100 and the 80% low-income limit for four people is $77,900. ZIP code 81638 lies mainly in Moffat County and Routt County. See the Moffat 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 81638?
HUD's FY2027 Small Area Fair Market Rents for 81638 are $1,560 (studio), $1,670 (1 BR), $1,820 (2 BR), $2,190 (3 BR) and $2,860 (4 BR) a month.
What is the Section 8 payment standard in 81638?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 81638 that range is $1,638 to $2,002 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 81638?
The FY2026 income limits of the Moffat County, CO area apply: median family income $96,100, low-income (80%) limit $77,900 for a family of four.