Richmond, VA: 2-bedroom payment standards across 86 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Richmond, VA HUD Metro FMR Area range from $1,540 to $2,480 for a 2-bedroom. The 90th-percentile ZIP code runs 1.31× the 10th — a gap of $470 a month — which ranks 164th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 86 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,793 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,540 to $2,010).
of the area's ZIP codes (29 of 86) sit above $1,793 — 110% of the area median.
Highest-rent ZIP codes in Richmond, VA
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 — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 23120 | $2,480 | $2,232–$2,728 | above 110% |
| 2 | 23801 | $2,220 | $1,998–$2,442 | above 110% |
| 3 | 23059 | $2,200 | $1,980–$2,420 | above 110% |
| 4 | 23116 | $2,200 | $1,980–$2,420 | above 110% |
| 5 | 23146 | $2,170 | $1,953–$2,387 | above 110% |
| 6 | 23832 | $2,170 | $1,953–$2,387 | above 110% |
| 7 | 23226 | $2,110 | $1,899–$2,321 | above 110% |
| 8 | 23233 | $2,030 | $1,827–$2,233 | above 110% |
| 9 | 23220 | $2,010 | $1,809–$2,211 | above 110% |
| 10 | 23284 | $2,010 | $1,809–$2,211 | above 110% |
| 11 | 23113 | $2,000 | $1,800–$2,200 | above 110% |
| 12 | 23221 | $1,990 | $1,791–$2,189 | above 110% |
| 13 | 23112 | $1,980 | $1,782–$2,178 | above 110% |
| 14 | 23114 | $1,970 | $1,773–$2,167 | above 110% |
| 15 | 23236 | $1,970 | $1,773–$2,167 | above 110% |
| 16 | 23294 | $1,970 | $1,773–$2,167 | above 110% |
| 17 | 23836 | $1,930 | $1,737–$2,123 | above 110% |
| 18 | 23238 | $1,920 | $1,728–$2,112 | above 110% |
| 19 | 23060 | $1,910 | $1,719–$2,101 | above 110% |
| 20 | 23235 | $1,910 | $1,719–$2,101 | above 110% |
| 21 | 23140 | $1,850 | $1,665–$2,035 | above 110% |
| 22 | 23067 | $1,840 | $1,656–$2,024 | above 110% |
| 23 | 23831 | $1,840 | $1,656–$2,024 | above 110% |
| 24 | 23230 | $1,830 | $1,647–$2,013 | above 110% |
| 25 | 23228 | $1,820 | $1,638–$2,002 | above 110% |
| 26 | 23106 | $1,800 | $1,620–$1,980 | above 110% |
| 27 | 23111 | $1,800 | $1,620–$1,980 | above 110% |
| 28 | 23173 | $1,800 | $1,620–$1,980 | above 110% |
| 29 | 23297 | $1,800 | $1,620–$1,980 | above 110% |
| 30 | 23838 | $1,740 | $1,566–$1,914 | 107% |
| 31 | 23162 | $1,730 | $1,557–$1,903 | 106% |
| 32 | 23058 | $1,720 | $1,548–$1,892 | 106% |
| 33 | 23242 | $1,720 | $1,548–$1,892 | 106% |
| 34 | 23250 | $1,720 | $1,548–$1,892 | 106% |
| 35 | 23255 | $1,720 | $1,548–$1,892 | 106% |
| 36 | 23219 | $1,710 | $1,539–$1,881 | 105% |
| 37 | 23298 | $1,710 | $1,539–$1,881 | 105% |
| 38 | 23124 | $1,690 | $1,521–$1,859 | 104% |
| 39 | 23011 | $1,660 | $1,494–$1,826 | 102% |
| 40 | 23225 | $1,650 | $1,485–$1,815 | 101% |
| 41 | 23129 | $1,640 | $1,476–$1,804 | 101% |
| 42 | 23237 | $1,640 | $1,476–$1,804 | 101% |
| 43 | 23141 | $1,630 | $1,467–$1,793 | 100% |
| 44 | 23229 | $1,630 | $1,467–$1,793 | 100% |
| 45 | 23840 | $1,610 | $1,449–$1,771 | 99% |
| 46 | 23009 | $1,600 | $1,440–$1,760 | 98% |
| 47 | 23218 | $1,590 | $1,431–$1,749 | 98% |
| 48 | 23232 | $1,590 | $1,431–$1,749 | 98% |
| 49 | 23241 | $1,590 | $1,431–$1,749 | 98% |
| 50 | 23260 | $1,590 | $1,431–$1,749 | 98% |
| 51 | 23261 | $1,590 | $1,431–$1,749 | 98% |
| 52 | 23286 | $1,590 | $1,431–$1,749 | 98% |
| 53 | 23293 | $1,590 | $1,431–$1,749 | 98% |
| 54 | 23841 | $1,560 | $1,404–$1,716 | 96% |
| 55 | 23160 | $1,550 | $1,395–$1,705 | 95% |
| 56 | 23223 | $1,550 | $1,395–$1,705 | 95% |
| 57 | 23005 | $1,540 | $1,386–$1,694 | 94% |
| 58 | 23030 | $1,540 | $1,386–$1,694 | 94% |
| 59 | 23039 | $1,540 | $1,386–$1,694 | 94% |
| 60 | 23063 | $1,540 | $1,386–$1,694 | 94% |
| 61 | 23075 | $1,540 | $1,386–$1,694 | 94% |
| 62 | 23086 | $1,540 | $1,386–$1,694 | 94% |
| 63 | 23103 | $1,540 | $1,386–$1,694 | 94% |
| 64 | 23105 | $1,540 | $1,386–$1,694 | 94% |
| 65 | 23147 | $1,540 | $1,386–$1,694 | 94% |
| 66 | 23150 | $1,540 | $1,386–$1,694 | 94% |
| 67 | 23222 | $1,540 | $1,386–$1,694 | 94% |
| 68 | 23224 | $1,540 | $1,386–$1,694 | 94% |
| 69 | 23227 | $1,540 | $1,386–$1,694 | 94% |
| 70 | 23231 | $1,540 | $1,386–$1,694 | 94% |
| 71 | 23234 | $1,540 | $1,386–$1,694 | 94% |
| 72 | 23803 | $1,540 | $1,386–$1,694 | 94% |
| 73 | 23804 | $1,540 | $1,386–$1,694 | 94% |
| 74 | 23805 | $1,540 | $1,386–$1,694 | 94% |
| 75 | 23830 | $1,540 | $1,386–$1,694 | 94% |
| 76 | 23833 | $1,540 | $1,386–$1,694 | 94% |
| 77 | 23834 | $1,540 | $1,386–$1,694 | 94% |
| 78 | 23850 | $1,540 | $1,386–$1,694 | 94% |
| 79 | 23860 | $1,540 | $1,386–$1,694 | 94% |
| 80 | 23872 | $1,540 | $1,386–$1,694 | 94% |
| 81 | 23875 | $1,540 | $1,386–$1,694 | 94% |
| 82 | 23882 | $1,540 | $1,386–$1,694 | 94% |
| 83 | 23884 | $1,540 | $1,386–$1,694 | 94% |
| 84 | 23885 | $1,540 | $1,386–$1,694 | 94% |
| 85 | 23891 | $1,540 | $1,386–$1,694 | 94% |
| 86 | 23897 | $1,540 | $1,386–$1,694 | 94% |
How Richmond, VA compares
Its internal spread of 1.31× (p90 ÷ p10) ranks 164 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 1.19×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. 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.