FY2027 Small Area FMR · Tacoma, WA

ZIP 98409 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98409 (Tacoma, WA) is $1,990 a month, up 4.2% from FY2026. That is 4% below the Tacoma, WA area-wide FMR of $2,064.

2-bedroom SAFMR$1,990per month ▲ 4.2%

Area-wide 2 BR FMR$2,064Tacoma, WA

Rank in the area49thof 75 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,791

2 BR Small Area FMR$1,990

110% of SAFMR$2,189

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

Studio$1,440▲ 4.3%

1 BR$1,620▲ 3.8%

2 BR$1,990▲ 4.2%

3 BR$2,750▲ 3.8%

4 BR$3,100▲ 3.0%

FY2027 FY2026

Where 98409 sits in the Tacoma, WA area

Of the 75 ZIP codes HUD lists for the area, 98409 has the 49th highest two-bedroom Small Area FMR. Tacoma, 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 $2,064 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,990 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	$1,440	$1,296 – $1,584	$1,491	$1,380
1 bedroom	$1,620	$1,458 – $1,782	$1,682	$1,560
2 bedrooms	$1,990	$1,791 – $2,189	$2,064	$1,910
3 bedrooms	$2,750	$2,475 – $3,025	$2,849	$2,650
4 bedrooms	$3,100	$2,790 – $3,410	$3,219	$3,010

A household renting a two-bedroom home at the Small Area FMR of $1,990 needs about $79,600 a year to keep housing costs at 30% of income. The area median family income is $127,300 and the 80% low-income limit for four people is $101,850. ZIP code 98409 lies mainly in Pierce County. See the Tacoma, WA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
98418	Tacoma	1.5 mi	$1,900
98408	Tacoma	1.7 mi	$1,890
98405	Tacoma	2.3 mi	$1,870
98404	Tacoma	3.0 mi	$1,790
98402	Tacoma	3.1 mi	$1,980
98466	Tacoma	3.2 mi	$2,070

Questions

What is the Fair Market Rent for ZIP code 98409?

HUD's FY2027 Small Area Fair Market Rents for 98409 are $1,440 (studio), $1,620 (1 BR), $1,990 (2 BR), $2,750 (3 BR) and $3,100 (4 BR) a month.

What is the Section 8 payment standard in 98409?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98409 that range is $1,791 to $2,189 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 98409?

The FY2026 income limits of the Tacoma, WA area apply: median family income $127,300, low-income (80%) limit $101,850 for a family of four.