FY2027 Small Area FMR · Clay Springs, AZ

ZIP 85923 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 85923 (Clay Springs, AZ) is $1,260 a month, up 0.8% from FY2026. That is 0% equal to the Navajo County, AZ area-wide FMR of $1,264.

2-bedroom SAFMR$1,260per month ▲ 0.8%

Area-wide 2 BR FMR$1,264Navajo County, AZ

Rank in the area18thof 34 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,134

2 BR Small Area FMR$1,260

110% of SAFMR$1,386

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

Studio$890▼ 1.1%

1 BR$960▲ 1.1%

2 BR$1,260▲ 0.8%

3 BR$1,560▲ 1.3%

4 BR$1,660■ 0.0%

FY2027 FY2026

Where 85923 sits in the Navajo County, AZ area

Of the 34 ZIP codes HUD lists for the area, 85923 has the 18th highest two-bedroom Small Area FMR. Navajo 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 $1,264 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,260 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	$890	$801 – $979	$892	$900
1 bedroom	$960	$864 – $1,056	$966	$950
2 bedrooms	$1,260	$1,134 – $1,386	$1,264	$1,250
3 bedrooms	$1,560	$1,404 – $1,716	$1,567	$1,540
4 bedrooms	$1,660	$1,494 – $1,826	$1,661	$1,660

A household renting a two-bedroom home at the Small Area FMR of $1,260 needs about $50,400 a year to keep housing costs at 30% of income. The area median family income is $63,000 and the 80% low-income limit for four people is $61,050. ZIP code 85923 lies mainly in Navajo County. See the Navajo County, AZ county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
85934	Pinedale	5.7 mi	$1,260
85933	Overgaard	9.9 mi	$1,180
85911	Cibecue	10.6 mi	$1,180
85939	Taylor	16.3 mi	$1,440
85902	Show Low	17.5 mi	$1,200
85901	Show Low	18.1 mi	$1,350

Questions

What is the Fair Market Rent for ZIP code 85923?

HUD's FY2027 Small Area Fair Market Rents for 85923 are $890 (studio), $960 (1 BR), $1,260 (2 BR), $1,560 (3 BR) and $1,660 (4 BR) a month.

What is the Section 8 payment standard in 85923?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 85923 that range is $1,134 to $1,386 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 85923?

The FY2026 income limits of the Navajo County, AZ area apply: median family income $63,000, low-income (80%) limit $61,050 for a family of four.