FY2027 Small Area FMR · Coupeville, WA
ZIP 98239 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98239 (Coupeville, WA) is $1,650 a month, up 13.8% from FY2026. That is 10% below the Island County, WA area-wide FMR of $1,824.
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 98239 sits in the Island County, WA area
Of the 8 ZIP codes HUD lists for the area, 98239 has the 8th highest two-bedroom Small Area FMR. Island County, 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 $1,824 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,650 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,150 | $1,035 – $1,265 | $1,270 | $1,070 |
| 1 bedroom | $1,320 | $1,188 – $1,452 | $1,459 | $1,190 |
| 2 bedrooms | $1,650 | $1,485 – $1,815 | $1,824 | $1,450 |
| 3 bedrooms | $2,260 | $2,034 – $2,486 | $2,501 | $2,020 |
| 4 bedrooms | $2,700 | $2,430 – $2,970 | $2,987 | $2,370 |
A household renting a two-bedroom home at the Small Area FMR of $1,650 needs about $66,000 a year to keep housing costs at 30% of income. The area median family income is $107,200 and the 80% low-income limit for four people is $85,750. ZIP code 98239 lies mainly in Island County. See the Island County, 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 98239?
HUD's FY2027 Small Area Fair Market Rents for 98239 are $1,150 (studio), $1,320 (1 BR), $1,650 (2 BR), $2,260 (3 BR) and $2,700 (4 BR) a month.
What is the Section 8 payment standard in 98239?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98239 that range is $1,485 to $1,815 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 98239?
The FY2026 income limits of the Island County, WA area apply: median family income $107,200, low-income (80%) limit $85,750 for a family of four.