HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in St. Clair County, Alabama (FY 2026)
$1,266 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in St. Clair County, and it's the baseline every voucher in St. Clair is measured against.
2 bedroom FMR
$1,266
FY 2026, utilities included
Payment standard range
$1,139 to $1,393
90% to 110% of FMR
Income to afford 2BR
$50,640
per year, at 30% of income
Rank in Alabama
7th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in St. Clair moves to $1,375. 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 St. Clair actually rent for?
Search any address in St. Clair 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 | $1,024 | $922 to $1,126 | $40,960 | $19.69/hr | +2.6% |
| 1 bedroom | $1,155 | $1,040 to $1,271 | $46,200 | $22.21/hr | +1.0% |
| 2 bedroom | $1,266 | $1,139 to $1,393 | $50,640 | $24.35/hr | -0.1% |
| 3 bedroom | $1,583 | $1,425 to $1,741 | $63,320 | $30.44/hr | 0.0% |
| 4 bedroom | $1,801 | $1,621 to $1,981 | $72,040 | $34.63/hr | +0.6% |
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 | $2,071 | $1,864 to $2,278 |
| 6 bedroom Estimate | $2,341 | $2,107 to $2,575 |
| 7 bedroom Estimate | $2,611 | $2,350 to $2,872 |
| 8 bedroom Estimate | $2,882 | $2,594 to $3,170 |
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 St. Clair, that runs from $1,024 for a studio up to $1,801 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps St. Clair in with 4 other counties in the Birmingham-Hoover metro, Jefferson County, Shelby County, Blount County among them, and every one of them gets $1,266 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Alabama's 67 counties, St. Clair ranks 7th for two-bedroom FMR. That's about 44% above the state median of $879 and about 24% above the national median county at $1,018. About 91,719 people live here, 16th in the state.
Counties sharing the Birmingham-Hoover metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,020 in 35131 (Ragland) and $1,520 in 35004 (Moody), with the 12 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 35004 | Moody | $1,520 | +20.1% |
| 35052 | Cook Springs | $1,230 | -2.8% |
| 35054 | Cropwell | $1,410 | +11.4% |
| 35112 | Margaret | $1,110 | -12.3% |
| 35120 | Odenville | $1,110 | -12.3% |
| 35125 | Pell City | $1,140 | -10.0% |
| 35128 | Pell City | $1,310 | +3.5% |
| 35131 | Ragland | $1,020 | -19.4% |
| 35135 | Riverside | $1,250 | -1.3% |
| 35146 | Springville | $1,020 | -19.4% |
| 35182 | Wattsville | $1,266County rate | — |
| 35953 | Ashville | $1,220 | -3.6% |
| 35987 | Steele | $1,050 | -17.1% |
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 St. Clair somewhere between $1,139 and $1,393. 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.
$1,266 a month is affordable, by HUD's 30% rule, on an income of roughly $50,640 a year. Put another way, $24 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% ($1,139) | HAP at 100% ($1,266) | HAP at 110% ($1,393) |
|---|---|---|---|---|
| $2,500 | $750 | $389 | $516 | $643 |
| $4,000 | $1,200 | $0 | $66 | $193 |
Rate history
The two-bedroom rate went down 0% from FY 2025 ($1,267) to FY 2026 ($1,266). Since FY 2020 it's up 28% in total, about 4.3% 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 | $804 | $861 | $986 | $1,291 | $1,425 | — |
| FY 2021 | $817 | $871 | $1,002 | $1,303 | $1,409 | +1.6% |
| FY 2022 | $765 | $820 | $943 | $1,220 | $1,316 | -5.9% |
| FY 2023 | $866 | $942 | $1,075 | $1,376 | $1,494 | +14.0% |
| FY 2024 | $983 | $1,109 | $1,245 | $1,570 | $1,752 | +15.8% |
| FY 2025 | $998 | $1,144 | $1,267 | $1,583 | $1,791 | +1.8% |
| FY 2026 | $1,024 | $1,155 | $1,266 | $1,583 | $1,801 | -0.1% |
| FY 2027 | $1,177 | $1,263 | $1,375 | $1,727 | $1,941 | +8.6% |
Nearby counties
Questions people ask
$1,266 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,024 for a studio, $1,155 for one bedroom, $1,583 for three and $1,801 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 St. Clair actually go for?
HUD's number is one input. Search any address in St. Clair for a rent estimate built from nearby comps. 3 free searches, no card.
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