Section 8 Payment Standards — Mobile, Alabama (FY 2026)
HUD Small Area Fair Market Rent (SAFMR) data for Mobile ZIP codes, plus how Section 8 rent compares to typical market asking rents.
Mobile County Gulf Coast pricing stays accessible while SAFMR limits support stronger gross rent on older rental stock.
County est. 2BR SAFMR
$1,083
County median home value
$198,842
Est. Section 8 yield
6.5%
On a typical Mobile county home, HUD's 2BR limit ($1,083/mo) vs an estimated market asking rent (~$1,591/mo) suggests a +-$508/mo Section 8 premium before utilities, payment standard adjustments, and rent reasonableness.
Sample Mobile ZIP codes — FY 2026 SAFMR
Payment standards vary by ZIP and bedroom count. Always confirm current limits with the local housing authority before underwriting a deal.
| ZIP | 0BR | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| 36603 | $660 | $730 | $900 | $1,180 | $1,210 |
| 36605 | $870 | $930 | $1,100 | $1,440 | $1,470 |
| 36610 | $660 | $730 | $900 | $1,180 | $1,210 |
Why Section 8 rent matters in Mobile
Most investors underwrite Mobile rentals using Zillow or market asking rent. Section 8 uses HUD SAFMR payment standards — and in many Alabama markets the gap between HUD rent and market rent is what makes a property cash-flow.
Local PHAs may set payment standards between 90% and 110% of SAFMR, subtract utility allowances, and run rent reasonableness tests. Use full SAFMR as a ceiling, not a guarantee on every door.
Search live Mobile listings scored on Section 8 rent
Rich from Section 8 merges live for-sale inventory in Mobile, AL with official HUD SAFMR data, rent gap scoring, and instant cash-flow underwriting — not Zillow rent guesses.
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