FY2027 Small Area FMR · Naselle, WA
ZIP 98638 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98638 (Naselle, WA) is $1,640 a month, up 33.3% from FY2026. That is 28% above the Pacific County, WA area-wide FMR of $1,282.
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 98638 sits in the Pacific County, WA area
Of the 15 ZIP codes HUD lists for the area, 98638 has the 2nd highest two-bedroom Small Area FMR. Pacific 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 $1,282 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,640 for this ZIP code instead.
ZIP code 98638 crosses more than one HUD area. HUD also lists it under Wahkiakum 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 | $1,140 | $1,026 – $1,254 | $893 | $860 |
| 1 bedroom | $1,330 | $1,197 – $1,463 | $1,028 | $1,020 |
| 2 bedrooms | $1,640 | $1,476 – $1,804 | $1,282 | $1,230 |
| 3 bedrooms | $2,270 | $2,043 – $2,497 | $1,775 | $1,690 |
| 4 bedrooms | $2,740 | $2,466 – $3,014 | $2,143 | $2,060 |
A household renting a two-bedroom home at the Small Area FMR of $1,640 needs about $65,600 a year to keep housing costs at 30% of income. The area median family income is $87,700 and the 80% low-income limit for four people is $77,600. ZIP code 98638 lies mainly in Pacific County and Wahkiakum County. See the Pacific 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 98638?
HUD's FY2027 Small Area Fair Market Rents for 98638 are $1,140 (studio), $1,330 (1 BR), $1,640 (2 BR), $2,270 (3 BR) and $2,740 (4 BR) a month.
What is the Section 8 payment standard in 98638?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98638 that range is $1,476 to $1,804 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 98638?
The FY2026 income limits of the Pacific County, WA area apply: median family income $87,700, low-income (80%) limit $77,600 for a family of four.