HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Navajo County, Arizona (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Navajo County is $1,309 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,309
FY 2026, utilities included
Payment standard range
$1,178 to $1,440
90% to 110% of FMR
Income to afford 2BR
$52,360
per year, at 30% of income
Rank in Arizona
9th of 15
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Navajo moves to $1,264. That's down 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Navajo actually rent for?
Search any address in Navajo 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 | $937 | $843 to $1,031 | $37,480 | $18.02/hr | -6.2% |
| 1 bedroom | $1,026 | $923 to $1,129 | $41,040 | $19.73/hr | -2.7% |
| 2 bedroom | $1,309 | $1,178 to $1,440 | $52,360 | $25.17/hr | -5.4% |
| 3 bedroom | $1,622 | $1,460 to $1,784 | $64,880 | $31.19/hr | -5.2% |
| 4 bedroom | $1,733 | $1,560 to $1,906 | $69,320 | $33.33/hr | -5.6% |
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 | $1,993 | $1,794 to $2,192 |
| 6 bedroom Estimate | $2,253 | $2,028 to $2,478 |
| 7 bedroom Estimate | $2,513 | $2,262 to $2,764 |
| 8 bedroom Estimate | $2,773 | $2,496 to $3,050 |
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 Navajo, that runs from $937 for a studio up to $1,733 for four bedrooms, all five rates in the table above.
Because Navajo 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, Show Low included.
Among Arizona's 15 counties, Navajo ranks 9th for two-bedroom FMR. That's about 4% below the state median of $1,365 and about 29% above the national median county at $1,018. About 107,110 people live here, 9th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,250 in 85902 (Show Low) and $1,750 in 85928 (Heber), with the 29 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 |
|---|---|---|---|
| 85901 | Show Low | $1,420 | +8.5% |
| 85902 | Show Low | $1,250 | -4.5% |
| 85911 | Cibecue | $1,250 | -4.5% |
| 85912 | White Mountain Lake | $1,560 | +19.2% |
| 85923 | Clay Springs | $1,250 | -4.5% |
| 85926 | Fort Apache | $1,250 | -4.5% |
| 85928 | Heber | $1,750 | +33.7% |
| 85929 | Lakeside | $1,490 | +13.8% |
| 85933 | Overgaard | $1,250 | -4.5% |
| 85934 | Pinedale | $1,370 | +4.7% |
| 85935 | Pinetop | $1,330 | +1.6% |
| 85937 | Snowflake | $1,700 | +29.9% |
| 85939 | Taylor | $1,600 | +22.2% |
| 85941 | Whiteriver | $1,270 | -3.0% |
| 85942 | Woodruff | $1,310 | +0.1% |
| 86025 | Holbrook | $1,250 | -4.5% |
| 86029 | Sun Valley | $1,250 | -4.5% |
| 86030 | Hotevilla | $1,750 | +33.7% |
| 86031 | Indian Wells | $1,400 | +7.0% |
| 86032 | Joseph City | $1,320 | +0.8% |
| 86033 | Kayenta | $1,330 | +1.6% |
| 86034 | Keams Canyon | $1,250 | -4.5% |
| 86039 | Kykotsmovi Village | $1,260 | -3.7% |
| 86042 | Polacca | $1,300 | -0.7% |
| 86043 | Second Mesa | $1,270 | -3.0% |
| 86047 | Winslow | $1,750 | +33.7% |
| 86054 | Shonto | $1,750 | +33.7% |
| 86510 | Pinon | $1,250 | -4.5% |
| 86520 | Blue Gap | $1,430 | +9.2% |
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 Navajo somewhere between $1,178 and $1,440. 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.
$1,309 a month is affordable, by HUD's 30% rule, on an income of roughly $52,360 a year. Put another way, $25 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% ($1,178) | HAP at 100% ($1,309) | HAP at 110% ($1,440) |
|---|---|---|---|---|
| $2,500 | $750 | $428 | $559 | $690 |
| $4,000 | $1,200 | $0 | $109 | $240 |
Rate history
The two-bedroom rate went down 5% from FY 2025 ($1,384) to FY 2026 ($1,309). Since FY 2020 it's up 63% in total, about 8.5% 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 | $585 | $618 | $802 | $1,087 | $1,162 | — |
| FY 2021 | $587 | $670 | $883 | $1,187 | $1,225 | +10.1% |
| FY 2022 | $633 | $715 | $941 | $1,237 | $1,307 | +6.6% |
| FY 2023 | $722 | $788 | $1,037 | $1,336 | $1,393 | +10.2% |
| FY 2024 | $856 | $906 | $1,190 | $1,509 | $1,585 | +14.8% |
| FY 2025 | $999 | $1,055 | $1,384 | $1,711 | $1,835 | +16.3% |
| FY 2026 | $937 | $1,026 | $1,309 | $1,622 | $1,733 | -5.4% |
| FY 2027 | $892 | $966 | $1,264 | $1,567 | $1,661 | -3.4% |
Nearby counties
Apache County
$1,17554 mi · pop 66,054
Coconino County
$1,92190 mi · pop 144,705
Gila County
$1,479101 mi · pop 53,419
Yavapai County
$1,637122 mi · pop 237,830
Greenlee County
$1,158136 mi · pop 9,483
Graham County
$1,244144 mi · pop 38,453
Maricopa County
$1,839145 mi · pop 4,430,871
Pinal County
$1,839154 mi · pop 433,338
Questions people ask
$1,309 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $937 for a studio, $1,026 for one bedroom, $1,622 for three and $1,733 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 Navajo actually go for?
HUD's number is one input. Search any address in Navajo for a rent estimate built from nearby comps. 3 free searches, no card.
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