FY2027 Small Area FMR · Central, AZ
ZIP 85531 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 85531 (Central, AZ) is $1,540 a month, down 9.9% from FY2026. That is 33% above the Graham County, AZ area-wide FMR of $1,159.
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 85531 sits in the Graham County, AZ area
Of the 13 ZIP codes HUD lists for the area, 85531 has the 1st highest two-bedroom Small Area FMR. Graham County, AZ 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 $1,159 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,540 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,210 | $1,089 – $1,331 | $807 | $1,340 |
| 1 bedroom | $1,220 | $1,098 – $1,342 | $894 | $1,350 |
| 2 bedrooms | $1,540 | $1,386 – $1,694 | $1,159 | $1,710 |
| 3 bedrooms | $2,080 | $1,872 – $2,288 | $1,503 | $2,310 |
| 4 bedrooms | $2,580 | $2,322 – $2,838 | $1,937 | $2,860 |
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 $84,100 and the 80% low-income limit for four people is $67,300. ZIP code 85531 lies mainly in Graham County. See the Graham County, AZ 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 85531?
HUD's FY2027 Small Area Fair Market Rents for 85531 are $1,210 (studio), $1,220 (1 BR), $1,540 (2 BR), $2,080 (3 BR) and $2,580 (4 BR) a month.
What is the Section 8 payment standard in 85531?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 85531 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 85531?
The FY2026 income limits of the Graham County, AZ area apply: median family income $84,100, low-income (80%) limit $67,300 for a family of four.