FY2027 Small Area FMR · Cosmopolis, WA
ZIP 98537 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98537 (Cosmopolis, WA) is $1,670 a month, up 19.3% from FY2026. That is 24% above the Grays Harbor County, WA area-wide FMR of $1,345.
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 98537 sits in the Grays Harbor County, WA area
Of the 22 ZIP codes HUD lists for the area, 98537 has the 3rd highest two-bedroom Small Area FMR. Grays Harbor 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 $1,345 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,670 for this ZIP code instead.
ZIP code 98537 crosses more than one HUD area. HUD also lists it under Pacific County, 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 | $1,160 | $1,044 – $1,276 | $937 | $960 |
| 1 bedroom | $1,300 | $1,170 – $1,430 | $1,045 | $1,070 |
| 2 bedrooms | $1,670 | $1,503 – $1,837 | $1,345 | $1,400 |
| 3 bedrooms | $2,310 | $2,079 – $2,541 | $1,862 | $1,940 |
| 4 bedrooms | $2,640 | $2,376 – $2,904 | $2,123 | $2,150 |
A household renting a two-bedroom home at the Small Area FMR of $1,670 needs about $66,800 a year to keep housing costs at 30% of income. The area median family income is $84,200 and the 80% low-income limit for four people is $77,600. ZIP code 98537 lies mainly in Grays Harbor County and Pacific County. See the Grays Harbor 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 98537?
HUD's FY2027 Small Area Fair Market Rents for 98537 are $1,160 (studio), $1,300 (1 BR), $1,670 (2 BR), $2,310 (3 BR) and $2,640 (4 BR) a month.
What is the Section 8 payment standard in 98537?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98537 that range is $1,503 to $1,837 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 98537?
The FY2026 income limits of the Grays Harbor County, WA area apply: median family income $84,200, low-income (80%) limit $77,600 for a family of four.