FMR is below market; voucher rent may lag private rents.
0.57
1 BR
1 BR
0.66ratio
FMR$800
Market$1,220
vs market-$420
FMR is below market; voucher rent may lag private rents.
0.66
2 BR
2 BR
0.67ratio
FMR$1,040
Market$1,560
vs market-$520
FMR is below market; voucher rent may lag private rents.
0.67
3 BR
3 BR
0.84ratio
FMR$1,410
Market$1,670
vs market-$260
FMR is below market; voucher rent may lag private rents.
0.84
4 BR
4 BR
0.81ratio
FMR$1,430
Market$1,760
vs market-$330
FMR is below market; voucher rent may lag private rents.
0.81
0.700.800.901.001.101.201.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
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ZIP 38557 fair market rent, FY 2027
For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 38557 (Crossville, TN) is $1,040 a month. That is up 10.6% from $940 in FY 2026. Crossville is in the Cumberland County, TN non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,039. Among 13 ZIP codes in Cumberland County, 38557 is tied for the 6th-highest two-bedroom rent (county range $1,000–$1,560).
FY 2027 rent by bedroom
FY 2027 fair market rent by bedroom for 38557
Bedrooms
FY 2026
FY 2027
Change
90–110% range
Studio
$720
$790
+9.7%
$711–$869
1BR
$720
$800
+11.1%
$720–$880
2BR
$940
$1,040
+10.6%
$936–$1,144
3BR
$1,300
$1,410
+8.5%
$1,269–$1,551
4BR
$1,360
$1,430
+5.1%
$1,287–$1,573
Fair market rent history, FY 2023–2027
Fair market rent by fiscal year for 38557
Fiscal year
Studio
1BR
2BR
3BR
4BR
FY 2027
$790
$800
$1,040
$1,410
$1,430
FY 2026
$720
$720
$940
$1,300
$1,360
FY 2025
$720
$730
$900
$1,260
$1,500
FY 2024area FMR
$719
$723
$881
$1,242
$1,400
FY 2023area FMR
$616
$620
$762
$1,083
$1,190
Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.
Two-bedroom rent in nearby Cumberland County ZIP codes
How much will Section 8 pay for a two-bedroom in ZIP 38557?
Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,039, which applies unless the housing authority uses Small Area FMRs, that basic range is $935 to $1,143 a month; under the ZIP-level Small Area FMR of $1,040 it would be $936 to $1,144. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.
Which HUD fair market rent area is ZIP 38557 in?
ZIP 38557 is in the Cumberland County, TN non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,039.
How much did fair market rent change in ZIP 38557 for FY 2027?
The two-bedroom FMR rose 10.6%, from $940 in FY 2026 to $1,040 in FY 2027. Since FY 2025 it has risen 15.6%.
When do FY 2027 fair market rents take effect?
HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.
Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set