HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cross County, Arkansas (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Cross County is $880 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$880
FY 2026, utilities included
Payment standard range
$792 to $968
90% to 110% of FMR
Income to afford 2BR
$35,200
per year, at 30% of income
Rank in Arkansas
44th of 75
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cross moves to $909. That's up 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Cross actually rent for?
Search any address in Cross 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 | $630 | $567 to $693 | $25,200 | $12.12/hr | +1.9% |
| 1 bedroom | $671 | $604 to $738 | $26,840 | $12.90/hr | +3.9% |
| 2 bedroom | $880 | $792 to $968 | $35,200 | $16.92/hr | +3.8% |
| 3 bedroom | $1,224 | $1,102 to $1,346 | $48,960 | $23.54/hr | +3.0% |
| 4 bedroom | $1,476 | $1,328 to $1,624 | $59,040 | $28.38/hr | +3.7% |
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 | $1,697 | $1,527 to $1,867 |
| 6 bedroom Estimate | $1,919 | $1,727 to $2,111 |
| 7 bedroom Estimate | $2,140 | $1,926 to $2,354 |
| 8 bedroom Estimate | $2,362 | $2,126 to $2,598 |
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 Cross, that runs from $630 for a studio up to $1,476 for four bedrooms, all five rates in the table above.
Because Cross 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, Cherry Valley included.
Among Arkansas's 75 counties, Cross ranks 44th for two-bedroom FMR. That's within a couple percent of the state median of $880 and about 14% below the national median county at $1,018. About 16,827 people live here, 44th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $880 in 72347 (Hickory Ridge) and $940 in 72324 (Cherry Valley), with the 5 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.
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 Cross somewhere between $792 and $968. 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.
$880 a month is affordable, by HUD's 30% rule, on an income of roughly $35,200 a year. Put another way, $17 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% ($792) | HAP at 100% ($880) | HAP at 110% ($968) |
|---|---|---|---|---|
| $2,500 | $750 | $42 | $130 | $218 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($848) to FY 2026 ($880). Since FY 2020 it's up 28% in total, about 4.3% a year. The Arkansas median moved up 4% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $499 | $520 | $685 | $866 | $1,019 | — |
| FY 2021 | $522 | $541 | $713 | $925 | $1,118 | +4.1% |
| FY 2022 | $519 | $532 | $700 | $926 | $1,198 | -1.8% |
| FY 2023 | $554 | $561 | $739 | $1,034 | $1,259 | +5.6% |
| FY 2024 | $604 | $620 | $814 | $1,147 | $1,381 | +10.1% |
| FY 2025 | $618 | $646 | $848 | $1,188 | $1,424 | +4.2% |
| FY 2026 | $630 | $671 | $880 | $1,224 | $1,476 | +3.8% |
| FY 2027 | $646 | $695 | $909 | $1,259 | $1,519 | +3.3% |
Nearby counties
Poinsett County
$88020 mi · pop 22,997
St. Francis County
$92322 mi · pop 23,138
Crittenden County
$1,27429 mi · pop 47,945
Woodruff County
$88029 mi · pop 6,259
Jackson County
$88030 mi · pop 16,784
Craighead County
$1,04036 mi · pop 111,038
Lee County
$88036 mi · pop 8,666
Mississippi County
$88049 mi · pop 40,361
Questions people ask
$880 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $630 for a studio, $671 for one bedroom, $1,224 for three and $1,476 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 Cross actually go for?
HUD's number is one input. Search any address in Cross for a rent estimate built from nearby comps. 3 free searches, no card.
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