FY2027 Small Area FMR · Bay City, OR

ZIP 97107 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 97107 (Bay City, OR) is $1,430 a month, down 5.9% from FY2026. That is 10% above the Tillamook County, OR area-wide FMR of $1,301.

2-bedroom SAFMR$1,430per month ▼ 5.9%

Area-wide 2 BR FMR$1,301Tillamook County, OR

Rank in the area9thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,287

2 BR Small Area FMR$1,430

110% of SAFMR$1,573

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

Studio$1,000▼ 9.1%

1 BR$1,110▼ 9.8%

2 BR$1,430▼ 5.9%

3 BR$1,980▼ 6.2%

4 BR$2,220▼ 1.3%

FY2027 FY2026

Where 97107 sits in the Tillamook County, OR area

Of the 16 ZIP codes HUD lists for the area, 97107 has the 9th highest two-bedroom Small Area FMR. Tillamook 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 $1,301 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,430 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	$1,000	$900 – $1,100	$915	$1,100
1 bedroom	$1,110	$999 – $1,221	$1,023	$1,230
2 bedrooms	$1,430	$1,287 – $1,573	$1,301	$1,520
3 bedrooms	$1,980	$1,782 – $2,178	$1,801	$2,110
4 bedrooms	$2,220	$1,998 – $2,442	$2,015	$2,250

A household renting a two-bedroom home at the Small Area FMR of $1,430 needs about $57,200 a year to keep housing costs at 30% of income. The area median family income is $87,500 and the 80% low-income limit for four people is $70,000. ZIP code 97107 lies mainly in Tillamook County. See the Tillamook County, OR county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
97118	Garibaldi	1.6 mi	$1,270
97136	Rockaway Beach	5.7 mi	$1,270
97141	Tillamook	7.5 mi	$1,270
97134	Oceanside	7.7 mi	$1,270
97130	Manzanita	8.6 mi	$1,660
97147	Wheeler	9.4 mi	$1,270

Questions

What is the Fair Market Rent for ZIP code 97107?

HUD's FY2027 Small Area Fair Market Rents for 97107 are $1,000 (studio), $1,110 (1 BR), $1,430 (2 BR), $1,980 (3 BR) and $2,220 (4 BR) a month.

What is the Section 8 payment standard in 97107?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 97107 that range is $1,287 to $1,573 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 97107?

The FY2026 income limits of the Tillamook County, OR area apply: median family income $87,500, low-income (80%) limit $70,000 for a family of four.