HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Chambers County, Alabama (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Chambers County is $1,002 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,002
FY 2026, utilities included
Payment standard range
$902 to $1,102
90% to 110% of FMR
Income to afford 2BR
$40,080
per year, at 30% of income
Rank in Alabama
19th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Chambers moves to $1,091. That's up 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Chambers actually rent for?
Search any address in Chambers for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $691 | $622 to $760 | $27,640 | $13.29/hr | -5.7% |
| 1 bedroom | $770 | $693 to $847 | $30,800 | $14.81/hr | +1.3% |
| 2 bedroom | $1,002 | $902 to $1,102 | $40,080 | $19.27/hr | +0.5% |
| 3 bedroom | $1,265 | $1,139 to $1,392 | $50,600 | $24.33/hr | +3.2% |
| 4 bedroom | $1,327 | $1,194 to $1,460 | $53,080 | $25.52/hr | +0.4% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,526 | $1,373 to $1,679 |
| 6 bedroom Estimate | $1,725 | $1,553 to $1,898 |
| 7 bedroom Estimate | $1,924 | $1,732 to $2,116 |
| 8 bedroom Estimate | $2,123 | $1,911 to $2,335 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Chambers, that runs from $691 for a studio up to $1,327 for four bedrooms, all five rates in the table above.
Because Chambers sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Cusseta included.
Among Alabama's 67 counties, Chambers ranks 19th for two-bedroom FMR. That's about 14% above the state median of $879 and within a couple percent of the national median county at $1,018. About 34,612 people live here, 34th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $900 in 36862 (Lafayette) and $1,170 in 36852 (Cusseta), with the 5 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Chambers somewhere between $902 and $1,102. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,002 a month is affordable, by HUD's 30% rule, on an income of roughly $40,080 a year. Put another way, $19 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($902) | HAP at 100% ($1,002) | HAP at 110% ($1,102) |
|---|---|---|---|---|
| $2,500 | $750 | $152 | $252 | $352 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($997) to FY 2026 ($1,002). Since FY 2020 it's up 47% in total, about 6.6% a year. The Alabama median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $486 | $593 | $683 | $887 | $977 | — |
| FY 2021 | $534 | $620 | $744 | $956 | $1,046 | +8.9% |
| FY 2022 | $655 | $659 | $861 | $1,074 | $1,168 | +15.7% |
| FY 2023 | $688 | $692 | $911 | $1,109 | $1,224 | +5.8% |
| FY 2024 | $814 | $820 | $1,077 | $1,302 | $1,434 | +18.2% |
| FY 2025 | $733 | $760 | $997 | $1,226 | $1,322 | -7.4% |
| FY 2026 | $691 | $770 | $1,002 | $1,265 | $1,327 | +0.5% |
| FY 2027 | $760 | $967 | $1,091 | $1,401 | $1,434 | +8.9% |
Nearby counties
Questions people ask
$1,002 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $691 for a studio, $770 for one bedroom, $1,265 for three and $1,327 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Chambers actually go for?
HUD's number is one input. Search any address in Chambers for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.