FY2027 Small Area FMR · Westmorland, CA

ZIP 92281 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 92281 (Westmorland, CA) is $1,230 a month, down 0.8% from FY2026. That is 9% below the El Centro, CA area-wide FMR of $1,347.

2-bedroom SAFMR$1,230per month ▼ 0.8%

Area-wide 2 BR FMR$1,347El Centro, CA

Rank in the area14thof 20 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,107

2 BR Small Area FMR$1,230

110% of SAFMR$1,353

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

Studio$860▲ 1.2%

1 BR$940▼ 2.1%

2 BR$1,230▼ 0.8%

3 BR$1,670▼ 1.2%

4 BR$2,060■ 0.0%

FY2027 FY2026

Where 92281 sits in the El Centro, CA area

Of the 20 ZIP codes HUD lists for the area, 92281 has the 14th highest two-bedroom Small Area FMR. El Centro, CA 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 $1,347 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,230 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	$860	$774 – $946	$938	$850
1 bedroom	$940	$846 – $1,034	$1,030	$960
2 bedrooms	$1,230	$1,107 – $1,353	$1,347	$1,240
3 bedrooms	$1,670	$1,503 – $1,837	$1,819	$1,690
4 bedrooms	$2,060	$1,854 – $2,266	$2,251	$2,060

A household renting a two-bedroom home at the Small Area FMR of $1,230 needs about $49,200 a year to keep housing costs at 30% of income. The area median family income is $75,500 and the 80% low-income limit for four people is $77,700. ZIP code 92281 lies mainly in Imperial County. See the El Centro, CA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
92233	Calipatria	8.9 mi	$1,230
92251	Imperial	12.4 mi	$1,760
92227	Brawley	15.1 mi	$1,270
92273	Seeley	17.0 mi	$1,270
92243	El Centro	19.5 mi	$1,350
92275	Salton City	21.9 mi	$1,510

Questions

What is the Fair Market Rent for ZIP code 92281?

HUD's FY2027 Small Area Fair Market Rents for 92281 are $860 (studio), $940 (1 BR), $1,230 (2 BR), $1,670 (3 BR) and $2,060 (4 BR) a month.

What is the Section 8 payment standard in 92281?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 92281 that range is $1,107 to $1,353 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 92281?

The FY2026 income limits of the El Centro, CA area apply: median family income $75,500, low-income (80%) limit $77,700 for a family of four.