FY2027 Small Area FMR · Naco, AZ

ZIP 85620 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 85620 (Naco, AZ) is $1,140 a month, unchanged from FY2026. That is 1% below the Sierra Vista-Douglas, AZ area-wide FMR of $1,153.

2-bedroom SAFMR$1,140per month ■ 0.0%

Area-wide 2 BR FMR$1,153Sierra Vista-Douglas, AZ

Rank in the area8thof 24 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,026

2 BR Small Area FMR$1,140

110% of SAFMR$1,254

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

Studio$800■ 0.0%

1 BR$1,000▼ 1.0%

2 BR$1,140■ 0.0%

3 BR$1,580▼ 0.6%

4 BR$1,900▼ 0.5%

FY2027 FY2026

Where 85620 sits in the Sierra Vista-Douglas, AZ area

Of the 24 ZIP codes HUD lists for the area, 85620 has the 8th highest two-bedroom Small Area FMR. Sierra Vista-Douglas, 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 $1,153 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,140 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	$800	$720 – $880	$836	$800
1 bedroom	$1,000	$900 – $1,100	$1,000	$1,010
2 bedrooms	$1,140	$1,026 – $1,254	$1,153	$1,140
3 bedrooms	$1,580	$1,422 – $1,738	$1,597	$1,590
4 bedrooms	$1,900	$1,710 – $2,090	$1,927	$1,910

A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 a year to keep housing costs at 30% of income. The area median family income is $78,500 and the 80% low-income limit for four people is $62,600. ZIP code 85620 lies mainly in Cochise County. See the Sierra Vista-Douglas, AZ county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
85603	Bisbee	6.7 mi	$1,140
85615	Hereford	16.6 mi	$1,550
85617	Mc Neal	18.6 mi	$1,140
85650	Sierra Vista	19.0 mi	$1,410
85635	Sierra Vista	21.0 mi	$1,160
85626	Pirtleville	22.1 mi	$1,140

Questions

What is the Fair Market Rent for ZIP code 85620?

HUD's FY2027 Small Area Fair Market Rents for 85620 are $800 (studio), $1,000 (1 BR), $1,140 (2 BR), $1,580 (3 BR) and $1,900 (4 BR) a month.

What is the Section 8 payment standard in 85620?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 85620 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 85620?

The FY2026 income limits of the Sierra Vista-Douglas, AZ area apply: median family income $78,500, low-income (80%) limit $62,600 for a family of four.