FY2027 Small Area FMR · Orcas, WA
ZIP 98280 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98280 (Orcas, WA) is $2,380 a month, up 12.3% from FY2026. That is 18% above the San Juan County, WA area-wide FMR of $2,022.
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 98280 sits in the San Juan County, WA area
Of the 10 ZIP codes HUD lists for the area, 98280 has the 2nd highest two-bedroom Small Area FMR. San Juan 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 $2,022 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,380 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,660 | $1,494 – $1,826 | $1,408 | $1,460 |
| 1 bedroom | $1,820 | $1,638 – $2,002 | $1,546 | $1,620 |
| 2 bedrooms | $2,380 | $2,142 – $2,618 | $2,022 | $2,120 |
| 3 bedrooms | $3,120 | $2,808 – $3,432 | $2,647 | $2,810 |
| 4 bedrooms | $3,130 | $2,817 – $3,443 | $2,657 | $2,810 |
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 $113,100 and the 80% low-income limit for four people is $90,500. ZIP code 98280 lies mainly in San Juan County. See the San Juan 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 98280?
HUD's FY2027 Small Area Fair Market Rents for 98280 are $1,660 (studio), $1,820 (1 BR), $2,380 (2 BR), $3,120 (3 BR) and $3,130 (4 BR) a month.
What is the Section 8 payment standard in 98280?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98280 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 98280?
The FY2026 income limits of the San Juan County, WA area apply: median family income $113,100, low-income (80%) limit $90,500 for a family of four.