FY2027 Small Area FMR · Rock Point, AZ

ZIP 86545 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 86545 (Rock Point, AZ) is $1,070 a month, down 9.3% from FY2026. That is 0% equal to the Apache County, AZ area-wide FMR of $1,071.

2-bedroom SAFMR$1,070per month ▼ 9.3%

Area-wide 2 BR FMR$1,071Apache County, AZ

Rank in the area22ndof 34 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$963

2 BR Small Area FMR$1,070

110% of SAFMR$1,177

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

Studio$750▼ 7.4%

1 BR$820▼ 9.9%

2 BR$1,070▼ 9.3%

3 BR$1,480▼ 8.1%

4 BR$1,790▼ 2.7%

FY2027 FY2026

Where 86545 sits in the Apache County, AZ area

Of the 34 ZIP codes HUD lists for the area, 86545 has the 22nd highest two-bedroom Small Area FMR. Apache 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 $1,071 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,070 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	$750	$675 – $825	$746	$810
1 bedroom	$820	$738 – $902	$819	$910
2 bedrooms	$1,070	$963 – $1,177	$1,071	$1,180
3 bedrooms	$1,480	$1,332 – $1,628	$1,483	$1,610
4 bedrooms	$1,790	$1,611 – $1,969	$1,790	$1,840

A household renting a two-bedroom home at the Small Area FMR of $1,070 needs about $42,800 a year to keep housing costs at 30% of income. The area median family income is $54,600 and the 80% low-income limit for four people is $54,800. ZIP code 86545 lies mainly in Apache County. See the Apache County, AZ county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
86535	Dennehotso	14.9 mi	$1,240
86547	Round Rock	15.1 mi	$1,070
86514	Teec Nos Pos	18.5 mi	$1,240
86538	Many Farms	21.4 mi	$1,100
86544	Red Valley	25.3 mi	$1,100
84512	Bluff	26.4 mi	$1,070

Questions

What is the Fair Market Rent for ZIP code 86545?

HUD's FY2027 Small Area Fair Market Rents for 86545 are $750 (studio), $820 (1 BR), $1,070 (2 BR), $1,480 (3 BR) and $1,790 (4 BR) a month.

What is the Section 8 payment standard in 86545?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 86545 that range is $963 to $1,177 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 86545?

The FY2026 income limits of the Apache County, AZ area apply: median family income $54,600, low-income (80%) limit $54,800 for a family of four.