35187 Wilton, AL Fair Market Rent

What the FMR for ZIP 35187 actually means

HUD publishes ZIP-level Small Area FMRs in designated metros. Our load has no SAFMR row for ZIP 35187, so we show the FMR-area schedule for Shelby: $1,155 1-bedroom, studio $1,024, 2-bedroom $1,266, 3-bedroom $1,583, 4-bedroom $1,801. Other ZIPs in the same FMR area share this schedule until a SAFMR row is available. These are 40th-percentile gross rents, not live asking rents.

Without SAFMR for this ZIP, every ZIP mapped to Shelby's FMR area shares the same baseline figures even when street-level market rents differ. Against the national benchmark the 1-bedroom FMR-area figure is 20% above the US average of $959, and 50% above the AL state average of $772. Year-over-year, the 1-bedroom moved up1.0% from FY 2025 ($1,144) to FY 2026.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $1,155, that implies a household income of $46,200 per year (about $3,850/month) to avoid being cost-burdened, a 2-bedroom at $1,266 lifts that threshold higher still. ZIP 35187 has a population of 32 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).