Charlotte-Concord-Gastonia, NC-SC: 2-bedroom payment standards across 103 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area range from $930 to $2,530 for a 2-bedroom. The 90th-percentile ZIP code runs 1.55× the 10th — a gap of $716 a month — which ranks 42th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 103 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,306 to $2,022).
of the area's ZIP codes (15 of 103) sit above $1,969 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.
Highest-rent ZIP codes in Charlotte-Concord-Gastonia, NC-SC
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 28075 | $2,530 | $2,277–$2,783 | above 110% |
| 2 | 28202 | $2,530 | $2,277–$2,783 | above 110% |
| 3 | 28203 | $2,530 | $2,277–$2,783 | above 110% |
| 4 | 28277 | $2,330 | $2,097–$2,563 | above 110% |
| 5 | 28204 | $2,320 | $2,088–$2,552 | above 110% |
| 6 | 28079 | $2,220 | $1,998–$2,442 | above 110% |
| 7 | 28273 | $2,130 | $1,917–$2,343 | above 110% |
| 8 | 28078 | $2,090 | $1,881–$2,299 | above 110% |
| 9 | 28278 | $2,080 | $1,872–$2,288 | above 110% |
| 10 | 28104 | $2,040 | $1,836–$2,244 | above 110% |
| 11 | 28270 | $2,030 | $1,827–$2,233 | above 110% |
| 12 | 28173 | $1,990 | $1,791–$2,189 | above 110% |
| 13 | 28211 | $1,990 | $1,791–$2,189 | above 110% |
| 14 | 28262 | $1,990 | $1,791–$2,189 | above 110% |
| 15 | 28269 | $1,990 | $1,791–$2,189 | above 110% |
| 16 | 28217 | $1,960 | $1,764–$2,156 | 109% |
| 17 | 28031 | $1,890 | $1,701–$2,079 | 106% |
| 18 | 28134 | $1,890 | $1,701–$2,079 | 106% |
| 19 | 28105 | $1,880 | $1,692–$2,068 | 105% |
| 20 | 28210 | $1,880 | $1,692–$2,068 | 105% |
| 21 | 28209 | $1,870 | $1,683–$2,057 | 104% |
| 22 | 29708 | $1,870 | $1,683–$2,057 | 104% |
| 23 | 28108 | $1,860 | $1,674–$2,046 | 104% |
| 24 | 28223 | $1,850 | $1,665–$2,035 | 103% |
| 25 | 28207 | $1,840 | $1,656–$2,024 | 103% |
| 26 | 28274 | $1,840 | $1,656–$2,024 | 103% |
| 27 | 28227 | $1,820 | $1,638–$2,002 | 102% |
| 28 | 28214 | $1,810 | $1,629–$1,991 | 101% |
| 29 | 28035 | $1,790 | $1,611–$1,969 | 100% |
| 30 | 28070 | $1,790 | $1,611–$1,969 | 100% |
| 31 | 28106 | $1,790 | $1,611–$1,969 | 100% |
| 32 | 28126 | $1,790 | $1,611–$1,969 | 100% |
| 33 | 28130 | $1,790 | $1,611–$1,969 | 100% |
| 34 | 28219 | $1,790 | $1,611–$1,969 | 100% |
| 35 | 28220 | $1,790 | $1,611–$1,969 | 100% |
| 36 | 28221 | $1,790 | $1,611–$1,969 | 100% |
| 37 | 28222 | $1,790 | $1,611–$1,969 | 100% |
| 38 | 28224 | $1,790 | $1,611–$1,969 | 100% |
| 39 | 28228 | $1,790 | $1,611–$1,969 | 100% |
| 40 | 28229 | $1,790 | $1,611–$1,969 | 100% |
| 41 | 28230 | $1,790 | $1,611–$1,969 | 100% |
| 42 | 28231 | $1,790 | $1,611–$1,969 | 100% |
| 43 | 28232 | $1,790 | $1,611–$1,969 | 100% |
| 44 | 28233 | $1,790 | $1,611–$1,969 | 100% |
| 45 | 28234 | $1,790 | $1,611–$1,969 | 100% |
| 46 | 28235 | $1,790 | $1,611–$1,969 | 100% |
| 47 | 28236 | $1,790 | $1,611–$1,969 | 100% |
| 48 | 28237 | $1,790 | $1,611–$1,969 | 100% |
| 49 | 28241 | $1,790 | $1,611–$1,969 | 100% |
| 50 | 28244 | $1,790 | $1,611–$1,969 | 100% |
| 51 | 28246 | $1,790 | $1,611–$1,969 | 100% |
| 52 | 28247 | $1,790 | $1,611–$1,969 | 100% |
| 53 | 28254 | $1,790 | $1,611–$1,969 | 100% |
| 54 | 28256 | $1,790 | $1,611–$1,969 | 100% |
| 55 | 28266 | $1,790 | $1,611–$1,969 | 100% |
| 56 | 28271 | $1,790 | $1,611–$1,969 | 100% |
| 57 | 28280 | $1,790 | $1,611–$1,969 | 100% |
| 58 | 28281 | $1,790 | $1,611–$1,969 | 100% |
| 59 | 28282 | $1,790 | $1,611–$1,969 | 100% |
| 60 | 28284 | $1,790 | $1,611–$1,969 | 100% |
| 61 | 28285 | $1,790 | $1,611–$1,969 | 100% |
| 62 | 28287 | $1,790 | $1,611–$1,969 | 100% |
| 63 | 28297 | $1,790 | $1,611–$1,969 | 100% |
| 64 | 28299 | $1,790 | $1,611–$1,969 | 100% |
| 65 | 29715 | $1,790 | $1,611–$1,969 | 100% |
| 66 | 28216 | $1,780 | $1,602–$1,958 | 99% |
| 67 | 28215 | $1,730 | $1,557–$1,903 | 97% |
| 68 | 28226 | $1,720 | $1,548–$1,892 | 96% |
| 69 | 28212 | $1,700 | $1,530–$1,870 | 95% |
| 70 | 28027 | $1,660 | $1,494–$1,826 | 93% |
| 71 | 28111 | $1,640 | $1,476–$1,804 | 92% |
| 72 | 28205 | $1,620 | $1,458–$1,782 | 91% |
| 73 | 29710 | $1,610 | $1,449–$1,771 | 90% |
| 74 | 28213 | $1,580 | $1,422–$1,738 | 88% |
| 75 | 28110 | $1,550 | $1,395–$1,705 | 87% |
| 76 | 29703 | $1,530 | $1,377–$1,683 | 85% |
| 77 | 29716 | $1,530 | $1,377–$1,683 | 85% |
| 78 | 29731 | $1,530 | $1,377–$1,683 | 85% |
| 79 | 29734 | $1,530 | $1,377–$1,683 | 85% |
| 80 | 28026 | $1,510 | $1,359–$1,661 | 84% |
| 81 | 28082 | $1,510 | $1,359–$1,661 | 84% |
| 82 | 29732 | $1,510 | $1,359–$1,661 | 84% |
| 83 | 29733 | $1,510 | $1,359–$1,661 | 84% |
| 84 | 28054 | $1,500 | $1,350–$1,650 | 84% |
| 85 | 28012 | $1,480 | $1,332–$1,628 | 83% |
| 86 | 28206 | $1,470 | $1,323–$1,617 | 82% |
| 87 | 28208 | $1,470 | $1,323–$1,617 | 82% |
| 88 | 28025 | $1,440 | $1,296–$1,584 | 80% |
| 89 | 28098 | $1,420 | $1,278–$1,562 | 79% |
| 90 | 28120 | $1,370 | $1,233–$1,507 | 77% |
| 91 | 28101 | $1,350 | $1,215–$1,485 | 75% |
| 92 | 28032 | $1,330 | $1,197–$1,463 | 74% |
| 93 | 28056 | $1,300 | $1,170–$1,430 | 73% |
| 94 | 28053 | $1,290 | $1,161–$1,419 | 72% |
| 95 | 28055 | $1,290 | $1,161–$1,419 | 72% |
| 96 | 28112 | $1,280 | $1,152–$1,408 | 72% |
| 97 | 28052 | $1,270 | $1,143–$1,397 | 71% |
| 98 | 29717 | $1,270 | $1,143–$1,397 | 71% |
| 99 | 28174 | $1,250 | $1,125–$1,375 | 70% |
| 100 | 29745 | $1,110 | $999–$1,221 | 62% |
| 101 | 29726 | $1,090 | $981–$1,199 | 61% |
| 102 | 28016 | $1,060 | $954–$1,166 | 59% |
| 103 | 28077 | $930 | $837–$1,023 | 52% |
How Charlotte-Concord-Gastonia, NC-SC compares
Its internal spread of 1.55× (p90 ÷ p10) ranks 42 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.20×. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.