FY2027 Small Area FMR · Joseph, OR

ZIP 97846 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 97846 (Joseph, OR) is $1,360 a month, down 7.5% from FY2026. That is 22% above the Wallowa County, OR area-wide FMR of $1,116.

2-bedroom SAFMR$1,360per month ▼ 7.5%

Area-wide 2 BR FMR$1,116Wallowa County, OR

Rank in the area1stof 5 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,224

2 BR Small Area FMR$1,360

110% of SAFMR$1,496

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

Studio$960▼ 5.9%

1 BR$1,120▼ 7.4%

2 BR$1,360▼ 7.5%

3 BR$1,880▼ 7.8%

4 BR$2,270▼ 8.1%

FY2027 FY2026

Where 97846 sits in the Wallowa County, OR area

Of the 5 ZIP codes HUD lists for the area, 97846 has the 1st highest two-bedroom Small Area FMR. Wallowa 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 $1,116 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,360 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	$960	$864 – $1,056	$791	$1,020
1 bedroom	$1,120	$1,008 – $1,232	$920	$1,210
2 bedrooms	$1,360	$1,224 – $1,496	$1,116	$1,470
3 bedrooms	$1,880	$1,692 – $2,068	$1,545	$2,040
4 bedrooms	$2,270	$2,043 – $2,497	$1,865	$2,470

A household renting a two-bedroom home at the Small Area FMR of $1,360 needs about $54,400 a year to keep housing costs at 30% of income. The area median family income is $83,700 and the 80% low-income limit for four people is $66,950. ZIP code 97846 lies mainly in Wallowa County. See the Wallowa County, OR county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
97842	Imnaha	17.4 mi	$1,170
97828	Enterprise	19.6 mi	$1,040
97857	Lostine	24.5 mi	$1,270
97885	Wallowa	26.4 mi	$1,190
83542	Lucile	33.8 mi	$1,050
97883	Union	34.4 mi	$1,100

Questions

What is the Fair Market Rent for ZIP code 97846?

HUD's FY2027 Small Area Fair Market Rents for 97846 are $960 (studio), $1,120 (1 BR), $1,360 (2 BR), $1,880 (3 BR) and $2,270 (4 BR) a month.

What is the Section 8 payment standard in 97846?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 97846 that range is $1,224 to $1,496 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 97846?

The FY2026 income limits of the Wallowa County, OR area apply: median family income $83,700, low-income (80%) limit $66,950 for a family of four.