FY2027 Small Area FMR · Tacoma, WA

ZIP 98445 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98445 (Tacoma, WA) is $2,050 a month, up 4.1% from FY2026. That is 1% below the Tacoma, WA area-wide FMR of $2,064.

2-bedroom SAFMR$2,050per month ▲ 4.1%

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

Rank in the area47thof 75 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,845

2 BR Small Area FMR$2,050

110% of SAFMR$2,255

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

Studio$1,480▲ 3.5%

1 BR$1,670▲ 4.4%

2 BR$2,050▲ 4.1%

3 BR$2,830▲ 3.7%

4 BR$3,200▲ 3.2%

FY2027 FY2026

Where 98445 sits in the Tacoma, WA area

Of the 75 ZIP codes HUD lists for the area, 98445 has the 47th 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 $2,050 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	$1,480	$1,332 – $1,628	$1,491	$1,430
1 bedroom	$1,670	$1,503 – $1,837	$1,682	$1,600
2 bedrooms	$2,050	$1,845 – $2,255	$2,064	$1,970
3 bedrooms	$2,830	$2,547 – $3,113	$2,849	$2,730
4 bedrooms	$3,200	$2,880 – $3,520	$3,219	$3,100

A household renting a two-bedroom home at the Small Area FMR of $2,050 needs about $82,000 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 98445 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
98447	Tacoma	1.6 mi	$1,930
98446	Tacoma	1.7 mi	$2,270
98444	Tacoma	2.0 mi	$1,930
98373	Puyallup	4.1 mi	$2,180
98438	Mcchord Afb	4.1 mi	$1,900
98408	Tacoma	4.3 mi	$1,890

Questions

What is the Fair Market Rent for ZIP code 98445?

HUD's FY2027 Small Area Fair Market Rents for 98445 are $1,480 (studio), $1,670 (1 BR), $2,050 (2 BR), $2,830 (3 BR) and $3,200 (4 BR) a month.

What is the Section 8 payment standard in 98445?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98445 that range is $1,845 to $2,255 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 98445?

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.