FY2027 Small Area FMR · Umpqua, OR

ZIP 97486 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 97486 (Umpqua, OR) is $1,290 a month, down 6.5% from FY2026. That is 6% above the Douglas County, OR area-wide FMR of $1,212.

2-bedroom SAFMR$1,290per month ▼ 6.5%

Area-wide 2 BR FMR$1,212Douglas County, OR

Rank in the area7thof 30 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,161

2 BR Small Area FMR$1,290

110% of SAFMR$1,419

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

Studio$900▼ 5.3%

1 BR$990▼ 5.7%

2 BR$1,290▼ 6.5%

3 BR$1,790▼ 6.8%

4 BR$2,160▼ 6.9%

FY2027 FY2026

Where 97486 sits in the Douglas County, OR area

Of the 30 ZIP codes HUD lists for the area, 97486 has the 7th highest two-bedroom Small Area FMR. Douglas 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 $1,212 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,290 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	$900	$810 – $990	$844	$950
1 bedroom	$990	$891 – $1,089	$926	$1,050
2 bedrooms	$1,290	$1,161 – $1,419	$1,212	$1,380
3 bedrooms	$1,790	$1,611 – $1,969	$1,678	$1,920
4 bedrooms	$2,160	$1,944 – $2,376	$2,026	$2,320

A household renting a two-bedroom home at the Small Area FMR of $1,290 needs about $51,600 a year to keep housing costs at 30% of income. The area median family income is $76,600 and the 80% low-income limit for four people is $66,900. ZIP code 97486 lies mainly in Douglas County. See the Douglas County, OR county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
97462	Oakland	10.6 mi	$1,250
97494	Wilbur	10.9 mi	$1,220
97471	Roseburg	11.6 mi	$1,360
97495	Winchester	13.0 mi	$1,210
97479	Sutherlin	16.2 mi	$1,570
97470	Roseburg	17.2 mi	$1,200

Questions

What is the Fair Market Rent for ZIP code 97486?

HUD's FY2027 Small Area Fair Market Rents for 97486 are $900 (studio), $990 (1 BR), $1,290 (2 BR), $1,790 (3 BR) and $2,160 (4 BR) a month.

What is the Section 8 payment standard in 97486?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 97486 that range is $1,161 to $1,419 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 97486?

The FY2026 income limits of the Douglas County, OR area apply: median family income $76,600, low-income (80%) limit $66,900 for a family of four.