FY2027 Small Area FMR · Whiteriver, AZ
ZIP 85941 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 85941 (Whiteriver, AZ) is $1,340 a month, up 5.5% from FY2026. That is 3% below the Gila County, AZ area-wide FMR of $1,380.
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 85941 sits in the Gila County, AZ area
Of the 15 ZIP codes HUD lists for the area, 85941 has the 12th highest two-bedroom Small Area FMR. Gila 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 $1,380 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,340 for this ZIP code instead.
ZIP code 85941 crosses more than one HUD area. HUD also lists it under Navajo County, AZ (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 | $1,010 | $909 – $1,111 | $1,048 | $900 |
| 1 bedroom | $1,020 | $918 – $1,122 | $1,055 | $980 |
| 2 bedrooms | $1,340 | $1,206 – $1,474 | $1,380 | $1,270 |
| 3 bedrooms | $1,690 | $1,521 – $1,859 | $1,684 | $1,740 |
| 4 bedrooms | $1,960 | $1,764 – $2,156 | $1,953 | $1,810 |
A household renting a two-bedroom home at the Small Area FMR of $1,340 needs about $53,600 a year to keep housing costs at 30% of income. The area median family income is $78,900 and the 80% low-income limit for four people is $67,200. ZIP code 85941 lies mainly in Gila County and Navajo County. See the Gila 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 85941?
HUD's FY2027 Small Area Fair Market Rents for 85941 are $1,010 (studio), $1,020 (1 BR), $1,340 (2 BR), $1,690 (3 BR) and $1,960 (4 BR) a month.
What is the Section 8 payment standard in 85941?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 85941 that range is $1,206 to $1,474 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 85941?
The FY2026 income limits of the Gila County, AZ area apply: median family income $78,900, low-income (80%) limit $67,200 for a family of four.