HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Baker County, Florida (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Baker County is $1,103 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,103
FY 2026, utilities included
Payment standard range
$993 to $1,213
90% to 110% of FMR
Income to afford 2BR
$44,120
per year, at 30% of income
Rank in Florida
58th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Baker moves to $1,110. That's up 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Baker actually rent for?
Search any address in Baker 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 | $903 | $813 to $993 | $36,120 | $17.37/hr | +0.2% |
| 1 bedroom | $922 | $830 to $1,014 | $36,880 | $17.73/hr | -3.2% |
| 2 bedroom | $1,103 | $993 to $1,213 | $44,120 | $21.21/hr | -2.3% |
| 3 bedroom | $1,512 | $1,361 to $1,663 | $60,480 | $29.08/hr | -0.7% |
| 4 bedroom | $1,708 | $1,537 to $1,879 | $68,320 | $32.85/hr | -9.9% |
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 | $1,964 | $1,768 to $2,160 |
| 6 bedroom Estimate | $2,220 | $1,998 to $2,442 |
| 7 bedroom Estimate | $2,477 | $2,229 to $2,725 |
| 8 bedroom Estimate | $2,733 | $2,460 to $3,006 |
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 Baker, that runs from $903 for a studio up to $1,708 for four bedrooms, all five rates in the table above.
Baker is its own HUD metro area (Baker County, FL), so the rate here is set from rents inside the county rather than a wider region.
Among Florida's 67 counties, Baker ranks 58th for two-bedroom FMR. That's about 25% below the state median of $1,471 and about 8% above the national median county at $1,018. About 27,969 people live here, 50th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,020 in 32087 (Sanderson) and $1,270 in 32063 (Macclenny), with the 4 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 Baker somewhere between $993 and $1,213. 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.
$1,103 a month is affordable, by HUD's 30% rule, on an income of roughly $44,120 a year. Put another way, $21 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% ($993) | HAP at 100% ($1,103) | HAP at 110% ($1,213) |
|---|---|---|---|---|
| $2,500 | $750 | $243 | $353 | $463 |
| $4,000 | $1,200 | $0 | $0 | $13 |
Rate history
The two-bedroom rate went down 2% from FY 2025 ($1,129) to FY 2026 ($1,103). Since FY 2020 it's up 40% in total, about 5.8% a year. The Florida median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $522 | $598 | $788 | $982 | $1,324 | — |
| FY 2021 | $530 | $599 | $790 | $1,021 | $1,315 | +0.3% |
| FY 2022 | $565 | $617 | $812 | $1,091 | $1,390 | +2.8% |
| FY 2023 | $644 | $670 | $882 | $1,178 | $1,502 | +8.6% |
| FY 2024 | $802 | $807 | $1,061 | $1,400 | $1,801 | +20.3% |
| FY 2025 | $901 | $952 | $1,129 | $1,523 | $1,896 | +6.4% |
| FY 2026 | $903 | $922 | $1,103 | $1,512 | $1,708 | -2.3% |
| FY 2027 | $921 | $933 | $1,110 | $1,537 | $1,702 | +0.6% |
Nearby counties
Union County
$1,13216 mi · pop 15,524
Bradford County
$1,12022 mi · pop 27,816
Columbia County
$1,31824 mi · pop 69,832
Clay County
$1,65831 mi · pop 219,650
Duval County
$1,65837 mi · pop 995,708
Alachua County
$1,49341 mi · pop 279,729
Nassau County
$1,65842 mi · pop 91,538
Suwannee County
$1,11042 mi · pop 43,881
Questions people ask
$1,103 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $903 for a studio, $922 for one bedroom, $1,512 for three and $1,708 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 Baker actually go for?
HUD's number is one input. Search any address in Baker for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.