HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Garland County, Arkansas (FY 2027)
$1,110 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Garland County, and it's the baseline every voucher in Garland is measured against.
Two-bedroom FMR
$1,110
+1.8% from FY 2026
Payment standard
$999–$1,221
90% to 110% of the FMR, two-bedroom
Income to afford
$44,400
a year, with rent at 30% of income
Rank in Arkansas
11th of 75
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 | $858 | $772–$944 | $34,320 | $16.50/hr | +3.5% |
| 1 bedroom | $863 | $777–$949 | $34,520 | $16.60/hr | +3.5% |
| 2 bedroom | $1,110 | $999–$1,221 | $44,400 | $21.35/hr | +1.8% |
| 3 bedroom | $1,424 | $1,282–$1,566 | $56,960 | $27.38/hr | +2.2% |
| 4 bedroom | $1,599 | $1,439–$1,759 | $63,960 | $30.75/hr | -4.3% |
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 | $1,839 | $1,655–$2,023 |
| 6 bedroom Estimate | $2,079 | $1,871–$2,287 |
| 7 bedroom Estimate | $2,319 | $2,087–$2,551 |
| 8 bedroom Estimate | $2,558 | $2,302–$2,814 |
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 Garland actually rent for?
Search any address in Garland 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 Garland somewhere between $999 and $1,221. 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.
$1,110 a month is affordable, by HUD's 30% rule, on an income of roughly $44,400 a year. Put another way, $21 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%$999 | Voucher pays at 100%$1,110 | Voucher pays at 110%$1,221 |
|---|---|---|---|---|
| $2,500 | $750 | $249 | $360 | $471 |
| $4,000 | $1,200 | $0 | $0 | $21 |
Rate history
The two-bedroom rate went up 2% from FY 2026 ($1,090) to FY 2027 ($1,110). Since FY 2020 it's up 44% in total, about 5.3% a year. The Arkansas median moved up 3% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $554 | $586 | $772 | $971 | $1,202 | — |
| FY 2021 | $569 | $606 | $799 | $1,005 | $1,302 | +3.5% |
| FY 2022 | $589 | $613 | $807 | $1,006 | $1,352 | +1.0% |
| FY 2023 | $646 | $673 | $879 | $1,088 | $1,424 | +8.9% |
| FY 2024 | $767 | $775 | $1,007 | $1,249 | $1,616 | +14.6% |
| FY 2025 | $799 | $805 | $1,037 | $1,311 | $1,627 | +3.0% |
| FY 2026 | $829 | $834 | $1,090 | $1,393 | $1,670 | +5.1% |
| FY 2027In effect | $858 | $863 | $1,110 | $1,424 | $1,599 | +1.8% |
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 Garland, that runs from $858 for a studio up to $1,599 for four bedrooms, all five rates in the table above.
Garland is its own HUD metro area (Hot Springs, AR), so the rate here is set from rents inside the county rather than a wider region.
Among Arkansas's 75 counties, Garland ranks 11th for two-bedroom FMR. That's about 22% above the state median of $909 and about 4% above the national median county at $1,063. About 100,035 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 $990 in 71956 (Mountain Pine) and $1,440 in 71964 (Pearcy), with the 12 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 |
|---|---|---|---|
| 71901 | Hot Springs National Park | $1,020 | -8.1% |
| 71902 | Hot Springs National Park | $1,110 | 0.0% |
| 71903 | Hot Springs National Park | $1,110 | 0.0% |
| 71909 | Hot Springs Village | $1,300 | +17.1% |
| 71910 | Hot Springs Village | $1,110 | 0.0% |
| 71913 | Hot Springs National Park | $1,150 | +3.6% |
| 71914 | Hot Springs National Park | $1,110 | 0.0% |
| 71949 | Jessieville | $1,160 | +4.5% |
| 71956 | Mountain Pine | $990 | -10.8% |
| 71964 | Pearcy | $1,440 | +29.7% |
| 71968 | Royal | $1,210 | +9.0% |
| 72087 | Lonsdale | $1,040 | -6.3% |
Nearby counties
Two-bedroom FMR, with how each compares to Garland.
Hot Spring County
15 mi · 33,180 people
$916
-17%
Saline County
27 mi · 127,479 people
$1,121
+1%
Perry County
34 mi · 10,101 people
$1,121
+1%
Clark County
36 mi · 21,125 people
$928
-16%
Montgomery County
36 mi · 8,553 people
$909
-18%
Yell County
37 mi · 20,134 people
$909
-18%
Grant County
40 mi · 18,242 people
$909
-18%
Pike County
44 mi · 10,115 people
$909
-18%
Questions people ask
$1,110 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $858 for a studio, $863 for one bedroom, $1,424 for three and $1,599 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 Garland actually go for?
HUD's number is one input. Search any address in Garland for a rent estimate built from nearby comps. Free to start, no card.
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