HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Apache County, Arizona (FY 2026)
$1,175 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Apache County, and it's the baseline every voucher in Apache is measured against.
2 bedroom FMR
$1,175
FY 2026, utilities included
Payment standard range
$1,058 to $1,293
90% to 110% of FMR
Income to afford 2BR
$47,000
per year, at 30% of income
Rank in Arizona
12th of 15
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Apache moves to $1,071. That's down 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Apache actually rent for?
Search any address in Apache 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 | $810 | $729 to $891 | $32,400 | $15.58/hr | +1.9% |
| 1 bedroom | $903 | $813 to $993 | $36,120 | $17.37/hr | +1.8% |
| 2 bedroom | $1,175 | $1,058 to $1,293 | $47,000 | $22.60/hr | +1.4% |
| 3 bedroom | $1,599 | $1,439 to $1,759 | $63,960 | $30.75/hr | +2.7% |
| 4 bedroom | $1,828 | $1,645 to $2,011 | $73,120 | $35.15/hr | +11.3% |
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 | $2,102 | $1,892 to $2,312 |
| 6 bedroom Estimate | $2,376 | $2,138 to $2,614 |
| 7 bedroom Estimate | $2,651 | $2,386 to $2,916 |
| 8 bedroom Estimate | $2,925 | $2,633 to $3,218 |
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 Apache, that runs from $810 for a studio up to $1,828 for four bedrooms, all five rates in the table above.
Because Apache 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, Alpine included.
Among Arizona's 15 counties, Apache ranks 12th for two-bedroom FMR. That's about 14% below the state median of $1,365 and about 15% above the national median county at $1,018. About 66,054 people live here, 10th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,050 in 86507 (Lukachukai) and $1,560 in 85938 (Springerville), with the 28 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 |
|---|---|---|---|
| 85920 | Alpine | $1,250 | +6.4% |
| 85924 | Concho | $1,530 | +30.2% |
| 85925 | Eagar | $1,170 | -0.4% |
| 85927 | Greer | $1,300 | +10.6% |
| 85930 | Mcnary | $1,250 | +6.4% |
| 85932 | Nutrioso | $1,310 | +11.5% |
| 85936 | Saint Johns | $1,180 | +0.4% |
| 85938 | Springerville | $1,560 | +32.8% |
| 85940 | Vernon | $1,420 | +20.9% |
| 86028 | Petrified Forest Natl Pk | $1,200 | +2.1% |
| 86502 | Chambers | $1,180 | +0.4% |
| 86503 | Chinle | $1,250 | +6.4% |
| 86504 | Fort Defiance | $1,230 | +4.7% |
| 86505 | Ganado | $1,250 | +6.4% |
| 86506 | Houck | $1,180 | +0.4% |
| 86507 | Lukachukai | $1,050 | -10.6% |
| 86508 | Lupton | $1,180 | +0.4% |
| 86511 | Saint Michaels | $1,110 | -5.5% |
| 86512 | Sanders | $1,180 | +0.4% |
| 86514 | Teec Nos Pos | $1,370 | +16.6% |
| 86515 | Window Rock | $1,070 | -8.9% |
| 86535 | Dennehotso | $1,340 | +14.0% |
| 86538 | Many Farms | $1,190 | +1.3% |
| 86540 | Nazlini | $1,080 | -8.1% |
| 86544 | Red Valley | $1,130 | -3.8% |
| 86545 | Rock Point | $1,180 | +0.4% |
| 86547 | Round Rock | $1,180 | +0.4% |
| 86556 | Tsaile | $1,050 | -10.6% |
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 Apache somewhere between $1,058 and $1,293. 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.
$1,175 a month is affordable, by HUD's 30% rule, on an income of roughly $47,000 a year. Put another way, $23 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% ($1,058) | HAP at 100% ($1,175) | HAP at 110% ($1,293) |
|---|---|---|---|---|
| $2,500 | $750 | $308 | $425 | $543 |
| $4,000 | $1,200 | $0 | $0 | $93 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($1,159) to FY 2026 ($1,175). Since FY 2020 it's up 63% in total, about 8.4% a year. The Arizona median moved down 1% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $502 | $589 | $723 | $980 | $1,117 | — |
| FY 2021 | $534 | $596 | $785 | $1,025 | $1,101 | +8.6% |
| FY 2022 | $567 | $653 | $854 | $1,121 | $1,204 | +8.8% |
| FY 2023 | $618 | $703 | $925 | $1,233 | $1,284 | +8.3% |
| FY 2024 | $716 | $804 | $1,057 | $1,417 | $1,461 | +14.3% |
| FY 2025 | $795 | $887 | $1,159 | $1,557 | $1,642 | +9.6% |
| FY 2026 | $810 | $903 | $1,175 | $1,599 | $1,828 | +1.4% |
| FY 2027 | $746 | $819 | $1,071 | $1,483 | $1,790 | -8.9% |
Nearby counties
Navajo County
$1,30954 mi · pop 107,110
Coconino County
$1,921128 mi · pop 144,705
Gila County
$1,479147 mi · pop 53,419
Greenlee County
$1,158149 mi · pop 9,483
Graham County
$1,244170 mi · pop 38,453
Yavapai County
$1,637174 mi · pop 237,830
Maricopa County
$1,839198 mi · pop 4,430,871
Pinal County
$1,839201 mi · pop 433,338
Questions people ask
$1,175 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $810 for a studio, $903 for one bedroom, $1,599 for three and $1,828 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 Apache actually go for?
HUD's number is one input. Search any address in Apache for a rent estimate built from nearby comps. 3 free searches, no card.
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