FY2027 Small Area FMR · Bainbridge Island, WA
ZIP 98110 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98110 (Bainbridge Island, WA) is $2,380 a month, down 3.3% from FY2026. That is 21% above the Bremerton-Silverdale-Port Orchard, WA area-wide FMR of $1,967.
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 98110 sits in the Bremerton-Silverdale-Port Orchard, WA area
Of the 27 ZIP codes HUD lists for the area, 98110 has the 5th highest two-bedroom Small Area FMR. Bremerton-Silverdale-Port Orchard, WA 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 $1,967 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,380 for this ZIP code instead.
ZIP code 98110 crosses more than one HUD area. HUD also lists it under Seattle-Bellevue, WA (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 | $1,660 | $1,494 – $1,826 | $1,370 | $1,800 |
| 1 bedroom | $1,860 | $1,674 – $2,046 | $1,535 | $1,870 |
| 2 bedrooms | $2,380 | $2,142 – $2,618 | $1,967 | $2,460 |
| 3 bedrooms | $3,190 | $2,871 – $3,509 | $2,637 | $3,240 |
| 4 bedrooms | $3,390 | $3,051 – $3,729 | $2,804 | $3,560 |
A household renting a two-bedroom home at the Small Area FMR of $2,380 needs about $95,200 a year to keep housing costs at 30% of income. The area median family income is $129,600 and the 80% low-income limit for four people is $103,700. ZIP code 98110 lies mainly in Kitsap County. See the Bremerton-Silverdale-Port Orchard, WA 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 98110?
HUD's FY2027 Small Area Fair Market Rents for 98110 are $1,660 (studio), $1,860 (1 BR), $2,380 (2 BR), $3,190 (3 BR) and $3,390 (4 BR) a month.
What is the Section 8 payment standard in 98110?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98110 that range is $2,142 to $2,618 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 98110?
The FY2026 income limits of the Bremerton-Silverdale-Port Orchard, WA area apply: median family income $129,600, low-income (80%) limit $103,700 for a family of four.