FY2027 Small Area FMR · Arch Cape, OR
ZIP 97102 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 97102 (Arch Cape, OR) is $1,470 a month, down 8.7% from FY2026. That is 12% above the Clatsop County, OR area-wide FMR of $1,318.
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 97102 sits in the Clatsop County, OR area
Of the 9 ZIP codes HUD lists for the area, 97102 has the 4th highest two-bedroom Small Area FMR. Clatsop County, OR 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 $1,318 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,470 for this ZIP code instead.
ZIP code 97102 crosses more than one HUD area. HUD also lists it under Tillamook County, OR (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 | $1,060 | $954 – $1,166 | $969 | $1,170 |
| 1 bedroom | $1,170 | $1,053 – $1,287 | $1,008 | $1,300 |
| 2 bedrooms | $1,470 | $1,323 – $1,617 | $1,318 | $1,610 |
| 3 bedrooms | $2,040 | $1,836 – $2,244 | $1,825 | $2,240 |
| 4 bedrooms | $2,350 | $2,115 – $2,585 | $2,203 | $2,420 |
A household renting a two-bedroom home at the Small Area FMR of $1,470 needs about $58,800 a year to keep housing costs at 30% of income. The area median family income is $97,000 and the 80% low-income limit for four people is $77,600. ZIP code 97102 lies mainly in Clatsop County and Tillamook County. See the Clatsop County, OR 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 97102?
HUD's FY2027 Small Area Fair Market Rents for 97102 are $1,060 (studio), $1,170 (1 BR), $1,470 (2 BR), $2,040 (3 BR) and $2,350 (4 BR) a month.
What is the Section 8 payment standard in 97102?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 97102 that range is $1,323 to $1,617 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 97102?
The FY2026 income limits of the Clatsop County, OR area apply: median family income $97,000, low-income (80%) limit $77,600 for a family of four.