HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cochise County, Arizona (FY 2026)
A two-bedroom in Cochise County carries a FY 2026 Fair Market Rent of $1,257 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Cochise keys off that figure.
Two-bedroom FMR
$1,257
+4.7% from FY 2025
Payment standard
$1,131–$1,383
90% to 110% of the FMR, two-bedroom
Income to afford
$50,280
a year, with rent at 30% of income
Rank in Arizona
10th of 15
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cochise moves to $1,153. That's down 8%. The full FY 2027 table is in the history section below.
FY 2026 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $887 | $798–$976 | $35,480 | $17.06/hr | +3.9% |
| 1 bedroom | $1,111 | $1,000–$1,222 | $44,440 | $21.37/hr | +2.4% |
| 2 bedroom | $1,257 | $1,131–$1,383 | $50,280 | $24.17/hr | +4.7% |
| 3 bedroom | $1,748 | $1,573–$1,923 | $69,920 | $33.62/hr | +3.9% |
| 4 bedroom | $2,109 | $1,898–$2,320 | $84,360 | $40.56/hr | +4.6% |
Five to eight 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 | $2,425 | $2,183–$2,668 |
| 6 bedroom Estimate | $2,742 | $2,468–$3,016 |
| 7 bedroom Estimate | $3,058 | $2,752–$3,364 |
| 8 bedroom Estimate | $3,374 | $3,037–$3,711 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Cochise actually rent for?
Search any address in Cochise for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Cochise somewhere between $1,131 and $1,383. 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.
$1,257 a month is affordable, by HUD's 30% rule, on an income of roughly $50,280 a year. Put another way, $24 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,131 | Voucher pays at 100%$1,257 | Voucher pays at 110%$1,383 |
|---|---|---|---|---|
| $2,500 | $750 | $381 | $507 | $633 |
| $4,000 | $1,200 | $0 | $57 | $183 |
Rate history
The two-bedroom rate went up 5% from FY 2025 ($1,201) to FY 2026 ($1,257). Since FY 2020 it's up 47% in total, about 6.6% a year. The Arizona median moved down 1% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $654 | $658 | $857 | $1,236 | $1,505 | — |
| FY 2021 | $663 | $667 | $874 | $1,251 | $1,513 | +2.0% |
| FY 2022 | $686 | $690 | $907 | $1,288 | $1,552 | +3.8% |
| FY 2023 | $727 | $775 | $964 | $1,370 | $1,642 | +6.3% |
| FY 2024 | $770 | $913 | $1,067 | $1,504 | $1,811 | +10.7% |
| FY 2025 | $854 | $1,085 | $1,201 | $1,683 | $2,017 | +12.6% |
| FY 2026In effect | $887 | $1,111 | $1,257 | $1,748 | $2,109 | +4.7% |
| FY 2027From Oct 1, 2026 | $836 | $1,000 | $1,153 | $1,597 | $1,927 | -8.3% |
About this rate
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 Cochise, that runs from $887 for a studio up to $2,109 for four bedrooms, all five rates in the table above.
Cochise is its own HUD metro area (Sierra Vista-Douglas, AZ), so the rate here is set from rents inside the county rather than a wider region.
Among Arizona's 15 counties, Cochise ranks 10th for two-bedroom FMR. That's about 8% below the state median of $1,365 and about 23% above the national median county at $1,018. About 125,504 people live here, 8th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,090 in 85605 (Bowie) and $1,790 in 85613 (Fort Huachuca), with the 23 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 |
|---|---|---|---|
| 85602 | Benson | $1,530 | +21.7% |
| 85603 | Bisbee | $1,140 | -9.3% |
| 85605 | Bowie | $1,090 | -13.3% |
| 85606 | Cochise | $1,160 | -7.7% |
| 85607 | Douglas | $1,090 | -13.3% |
| 85608 | Douglas | $1,090 | -13.3% |
| 85609 | Dragoon | $1,090 | -13.3% |
| 85610 | Elfrida | $1,100 | -12.5% |
| 85613 | Fort Huachuca | $1,790 | +42.4% |
| 85615 | Hereford | $1,620 | +28.9% |
| 85616 | Huachuca City | $1,190 | -5.3% |
| 85617 | Mc Neal | $1,090 | -13.3% |
| 85620 | Naco | $1,140 | -9.3% |
| 85625 | Pearce | $1,150 | -8.5% |
| 85626 | Pirtleville | $1,090 | -13.3% |
| 85627 | Pomerene | $1,090 | -13.3% |
| 85630 | Saint David | $1,090 | -13.3% |
| 85632 | San Simon | $1,090 | -13.3% |
| 85635 | Sierra Vista | $1,280 | +1.8% |
| 85636 | Sierra Vista | $1,260 | +0.2% |
| 85638 | Tombstone | $1,090 | -13.3% |
| 85643 | Willcox | $1,170 | -6.9% |
| 85644 | Willcox | $1,257County rate | — |
| 85650 | Sierra Vista | $1,530 | +21.7% |
| 85655 | Douglas | $1,257County rate | — |
| 85670 | Fort Huachuca | $1,257County rate | — |
| 85671 | Sierra Vista | $1,257County rate | — |
Nearby counties
Two-bedroom FMR, with how each compares to Cochise.
Santa Cruz County
58 mi · 47,838 people
$1,129
-10%
Pima County
73 mi · 1,042,393 people
$1,402
+12%
Graham County
81 mi · 38,453 people
$1,244
-1%
Greenlee County
108 mi · 9,483 people
$1,158
-8%
Pinal County
124 mi · 433,338 people
$1,839
+46%
Gila County
143 mi · 53,419 people
$1,479
+18%
Maricopa County
174 mi · 4,430,871 people
$1,839
+46%
Navajo County
224 mi · 107,110 people
$1,309
+4%
Questions people ask
$1,257 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $887 for a studio, $1,111 for one bedroom, $1,748 for three and $2,109 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Cochise actually go for?
HUD's number is one input. Search any address in Cochise for a rent estimate built from nearby comps. 3 free searches, no card.
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