FY2027 Small Area FMR · Loon Lake, WA

ZIP 99148 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 99148 (Loon Lake, WA) is $1,310 a month, up 0.8% from FY2026. That is 17% above the Stevens County, WA area-wide FMR of $1,121.

2-bedroom SAFMR$1,310per month ▲ 0.8%

Area-wide 2 BR FMR$1,121Stevens County, WA

Rank in the area7thof 22 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,179

2 BR Small Area FMR$1,310

110% of SAFMR$1,441

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

Studio$990▼ 1.0%

1 BR$1,020▲ 1.0%

2 BR$1,310▲ 0.8%

3 BR$1,800■ 0.0%

4 BR$2,180▲ 0.5%

FY2027 FY2026

Where 99148 sits in the Stevens County, WA area

Of the 22 ZIP codes HUD lists for the area, 99148 has the 7th highest two-bedroom Small Area FMR. Stevens 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 $1,121 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,310 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	$990	$891 – $1,089	$855	$1,000
1 bedroom	$1,020	$918 – $1,122	$878	$1,010
2 bedrooms	$1,310	$1,179 – $1,441	$1,121	$1,300
3 bedrooms	$1,800	$1,620 – $1,980	$1,552	$1,800
4 bedrooms	$2,180	$1,962 – $2,398	$1,874	$2,170

A household renting a two-bedroom home at the Small Area FMR of $1,310 needs about $52,400 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 99148 lies mainly in Stevens County. See the Stevens County, WA county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
99110	Clayton	5.0 mi	$1,380
99006	Deer Park	8.0 mi	$1,380
99181	Valley	10.0 mi	$1,290
99173	Springdale	12.9 mi	$1,480
99109	Chewelah	15.2 mi	$1,150
99009	Elk	16.2 mi	$1,380

Questions

What is the Fair Market Rent for ZIP code 99148?

HUD's FY2027 Small Area Fair Market Rents for 99148 are $990 (studio), $1,020 (1 BR), $1,310 (2 BR), $1,800 (3 BR) and $2,180 (4 BR) a month.

What is the Section 8 payment standard in 99148?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 99148 that range is $1,179 to $1,441 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 99148?

The FY2026 income limits of the Stevens County, WA area apply: median family income $87,700, low-income (80%) limit $77,600 for a family of four.