FY2027 Small Area FMR · Silverlake, WA

ZIP 98645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 98645 (Silverlake, WA) is $1,510 a month, down 9.6% from FY2026. That is 8% above the Longview-Kelso, WA area-wide FMR of $1,398.

2-bedroom SAFMR$1,510per month ▼ 9.6%

Area-wide 2 BR FMR$1,398Longview-Kelso, WA

Rank in the area5thof 12 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,359

2 BR Small Area FMR$1,510

110% of SAFMR$1,661

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

Studio$1,040▼ 9.6%

1 BR$1,250▼ 9.4%

2 BR$1,510▼ 9.6%

3 BR$2,090▼ 9.9%

4 BR$2,520▼ 10.0%

FY2027 FY2026

Where 98645 sits in the Longview-Kelso, WA area

Of the 12 ZIP codes HUD lists for the area, 98645 has the 5th highest two-bedroom Small Area FMR. Longview-Kelso, 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 $1,398 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,510 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	$1,040	$936 – $1,144	$974	$1,150
1 bedroom	$1,250	$1,125 – $1,375	$1,124	$1,380
2 bedrooms	$1,510	$1,359 – $1,661	$1,398	$1,670
3 bedrooms	$2,090	$1,881 – $2,299	$1,936	$2,320
4 bedrooms	$2,520	$2,268 – $2,772	$2,337	$2,800

A household renting a two-bedroom home at the Small Area FMR of $1,510 needs about $60,400 a year to keep housing costs at 30% of income. The area median family income is $106,700 and the 80% low-income limit for four people is $83,350. ZIP code 98645 lies mainly in Cowlitz County. See the Longview-Kelso, WA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
98611	Castle Rock	7.0 mi	$1,510
98591	Toledo	7.7 mi	$1,330
98649	Toutle	10.9 mi	$1,310
98626	Kelso	11.0 mi	$1,400
98593	Vader	12.9 mi	$1,470
98542	Ethel	13.4 mi	$1,410

Questions

What is the Fair Market Rent for ZIP code 98645?

HUD's FY2027 Small Area Fair Market Rents for 98645 are $1,040 (studio), $1,250 (1 BR), $1,510 (2 BR), $2,090 (3 BR) and $2,520 (4 BR) a month.

What is the Section 8 payment standard in 98645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 98645 that range is $1,359 to $1,661 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 98645?

The FY2026 income limits of the Longview-Kelso, WA area apply: median family income $106,700, low-income (80%) limit $83,350 for a family of four.