35972 Gallant, AL Fair Market Rent

What the FMR for ZIP 35972 actually means

HUD publishes Small Area Fair Market Rents at the ZIP code level for designated metros. ZIP 35972 (Gallant, AL) is covered by Gadsden, AL MSA, so FY 2026 figures here are ZIP-specific: $900 for a 1-bedroom, studio $810, 2-bedroom $1,020, 3-bedroom $1,280, and 4-bedroom $1,430. These are 40th-percentile gross rents (utilities except telephone), not live asking rents. Housing Choice Voucher payment standards are typically set between 90% and 110% of the applicable FMR/SAFMR.

Because this page uses SAFMR, nearby ZIPs in Etowah can show different bedroom figures. Against the national benchmark the 1-bedroom SAFMR here is 6% below the US average of $959, and 17% above the AL state average of $772.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $900, that implies a household income of $36,000 per year (about $3,000/month) to avoid being cost-burdened, a 2-bedroom at $1,020 lifts that threshold higher still. ZIP 35972 has a population of 1,139 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%).