HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Navajo County, Arizona (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Navajo County is $1,264 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$1,264
-3.4% from FY 2026
Payment standard
$1,138–$1,390
90% to 110% of the FMR, two-bedroom
Income to afford
$50,560
a year, with rent at 30% of income
Rank in Arizona
7th of 15
by two-bedroom FMR, highest first
FY 2027 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 2026 |
|---|---|---|---|---|---|
| Studio | $892 | $803–$981 | $35,680 | $17.15/hr | -4.8% |
| 1 bedroom | $966 | $869–$1,063 | $38,640 | $18.58/hr | -5.8% |
| 2 bedroom | $1,264 | $1,138–$1,390 | $50,560 | $24.31/hr | -3.4% |
| 3 bedroom | $1,567 | $1,410–$1,724 | $62,680 | $30.13/hr | -3.4% |
| 4 bedroom | $1,661 | $1,495–$1,827 | $66,440 | $31.94/hr | -4.2% |
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 | $1,910 | $1,719–$2,101 |
| 6 bedroom Estimate | $2,159 | $1,943–$2,375 |
| 7 bedroom Estimate | $2,408 | $2,167–$2,649 |
| 8 bedroom Estimate | $2,658 | $2,392–$2,924 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
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.
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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 Navajo somewhere between $1,138 and $1,390. 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.
$1,264 a month is affordable, by HUD's 30% rule, on an income of roughly $50,560 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%$1,138 | Voucher pays at 100%$1,264 | Voucher pays at 110%$1,390 |
|---|---|---|---|---|
| $2,500 | $750 | $388 | $514 | $640 |
| $4,000 | $1,200 | $0 | $64 | $190 |
Rate history
The two-bedroom rate went down 3% from FY 2026 ($1,309) to FY 2027 ($1,264). Since FY 2020 it's up 58% in total, about 6.7% a year. The Arizona median moved down 9% over the same year.
| Fiscal 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 2027In effect | $892 | $966 | $1,264 | $1,567 | $1,661 | -3.4% |
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 2027 that's October 1, 2026 through September 30, 2027. In Navajo, that runs from $892 for a studio up to $1,661 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 7th for two-bedroom FMR. That's within a couple percent of the state median of $1,244 and about 19% above the national median county at $1,063. About 108,415 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 $1,180 in 85911 (Cibecue) and $1,750 in 85937 (Snowflake), 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 | $1,350 | +6.8% |
| 85902 | Show Low | $1,200 | -5.1% |
| 85911 | Cibecue | $1,180 | -6.6% |
| 85912 | White Mountain Lake | $1,440 | +13.9% |
| 85923 | Clay Springs | $1,260 | -0.3% |
| 85926 | Fort Apache | $1,180 | -6.6% |
| 85928 | Heber | $1,730 | +36.9% |
| 85929 | Lakeside | $1,390 | +10.0% |
| 85933 | Overgaard | $1,180 | -6.6% |
| 85934 | Pinedale | $1,260 | -0.3% |
| 85935 | Pinetop | $1,420 | +12.3% |
| 85937 | Snowflake | $1,750 | +38.4% |
| 85939 | Taylor | $1,440 | +13.9% |
| 85941 | Whiteriver | $1,340 | +6.0% |
| 85942 | Woodruff | $1,260 | -0.3% |
| 86025 | Holbrook | $1,180 | -6.6% |
| 86029 | Sun Valley | $1,180 | -6.6% |
| 86030 | Hotevilla | $1,730 | +36.9% |
| 86031 | Indian Wells | $1,450 | +14.7% |
| 86032 | Joseph City | $1,280 | +1.3% |
| 86033 | Kayenta | $1,240 | -1.9% |
| 86034 | Keams Canyon | $1,220 | -3.5% |
| 86039 | Kykotsmovi Village | $1,260 | -0.3% |
| 86042 | Polacca | $1,280 | +1.3% |
| 86043 | Second Mesa | $1,280 | +1.3% |
| 86047 | Winslow | $1,730 | +36.9% |
| 86054 | Shonto | $1,730 | +36.9% |
| 86510 | Pinon | $1,180 | -6.6% |
| 86520 | Blue Gap | $1,290 | +2.1% |
Nearby counties
Two-bedroom FMR, with how each compares to Navajo.
Apache County
54 mi · 65,341 people
$1,071
-15%
Coconino County
90 mi · 144,508 people
$1,729
+37%
Gila County
101 mi · 53,795 people
$1,380
+9%
Yavapai County
122 mi · 245,480 people
$1,550
+23%
Greenlee County
136 mi · 9,409 people
$1,043
-17%
Graham County
144 mi · 39,232 people
$1,159
-8%
Maricopa County
145 mi · 4,559,748 people
$1,734
+37%
Pinal County
154 mi · 469,006 people
$1,734
+37%
Questions people ask
$1,264 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $892 for a studio, $966 for one bedroom, $1,567 for three and $1,661 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 Navajo actually go for?
HUD's number is one input. Search any address in Navajo for a rent estimate built from nearby comps. Free to start, no card.
Free tier. No credit card.