Metro FMR area · NC · HUD FY 2027

Jacksonville, NC Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the Jacksonville, NC area is $1,319 a month, 8% below the North Carolina average and 25% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 19 ZIP codes range from $1,060 to $1,870.

$1,3192-bedroom FMR+$146 (+12.4%) vs FY 2026
$1,0731-bedroom FMRU.S.: $1,478
$52,760Income for a 2-bedroomat 30% of income
207,906Residents1 county

Can you afford the Fair Market Rent here?

Uses the common 30%-of-gross-income guideline. Results update as you type and stay in your browser.

Household income ($ per year, before tax)

Default: the income a 2-bedroom here needs at 30%.

Unit size

Rent you can afford at 30% of income$1,319/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
Jacksonville, NC FMR	$1,319	$52,760	–
North Carolina average	$1,441	$57,645	–
U.S. average	$1,761	$70,432	–

Jacksonville, NC Fair Market Rents, FY 2027 vs FY 2026
Unit	Jacksonville, NC FY 2027	FY 2026	Change	North Carolina avg	U.S. avg	Income needed
Studio	$1,067	$929	+$138 (+14.9%)	$1,215	$1,379	$42,680
1 bedroom	$1,073	$935	+$138 (+14.8%)	$1,282	$1,478	$42,920
2 bedrooms	$1,319	$1,173	+$146 (+12.4%)	$1,441	$1,761	$52,760
3 bedrooms	$1,826	$1,631	+$195 (+12.0%)	$1,823	$2,266	$73,040
4 bedrooms	$2,205	$1,968	+$237 (+12.0%)	$2,256	$2,607	$88,200

Counties in this FMR area

Counties in the Jacksonville, NC FMR area
County	Residents in area
Onslow County, NC	207,906

Small Area FMRs by ZIP code

Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,320.

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, Jacksonville, NC
ZIP	Studio	1BR	2BR	3BR	4BR	2BR vs FY 2026	2BR vs area FMR
28445	$1,110	$1,180	$1,400	$1,950	$2,350	+$30 (+2.2%)	6% above
28454	$1,450	$1,550	$1,840	$2,550	$3,080	+$130 (+7.6%)	39% above
28460	$1,340	$1,350	$1,660	$2,300	$2,770	+$190 (+12.9%)	26% above
28518	$840	$850	$1,090	$1,470	$1,780	+$50 (+4.8%)	17% below
28521	$850	$860	$1,100	$1,470	$1,780	−$110 (−9.1%)	17% below
28539	$1,030	$1,030	$1,270	$1,760	$2,120	+$130 (+11.4%)	4% below
28540	$1,010	$1,020	$1,250	$1,730	$2,090	+$110 (+9.6%)	5% below
28541	$1,070	$1,070	$1,320	$1,830	$2,210	+$150 (+12.8%)	about the same as
28542	$1,510	$1,520	$1,870	$2,590	$3,130	+$110 (+6.2%)	42% above
28543	$1,240	$1,240	$1,530	$2,120	$2,560	+$150 (+10.9%)	16% above
28544	$1,040	$1,050	$1,290	$1,790	$2,160	+$170 (+15.2%)	2% below
28545	$1,070	$1,070	$1,320	$1,830	$2,210	+$150 (+12.8%)	about the same as
28546	$1,100	$1,110	$1,360	$1,880	$2,270	+$220 (+19.3%)	3% above
28547	$1,280	$1,290	$1,580	$2,190	$2,640	+$140 (+9.7%)	20% above
28555	$1,060	$1,070	$1,310	$1,740	$2,200	+$100 (+8.3%)	1% below
28572	$840	$850	$1,060	$1,470	$1,780	+$20 (+1.9%)	20% below
28574	$990	$990	$1,220	$1,690	$2,040	+$70 (+6.1%)	8% below
28582	$950	$950	$1,220	$1,610	$2,030	−$100 (−7.6%)	8% below
28584	$1,230	$1,240	$1,580	$2,080	$2,640	+$110 (+7.5%)	20% above

Sources

U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).

Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.