HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Bradford County, Florida (FY 2026)
A two-bedroom in Bradford County carries a FY 2026 Fair Market Rent of $1,120 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Bradford keys off that figure.
2 bedroom FMR
$1,120
FY 2026, utilities included
Payment standard range
$1,008 to $1,232
90% to 110% of FMR
Income to afford 2BR
$44,800
per year, at 30% of income
Rank in Florida
56th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Bradford moves to $1,008. That's down 10%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Bradford actually rent for?
Search any address in Bradford 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 | $976 | $878 to $1,074 | $39,040 | $18.77/hr | +20.3% |
| 1 bedroom | $1,022 | $920 to $1,124 | $40,880 | $19.65/hr | +21.2% |
| 2 bedroom | $1,120 | $1,008 to $1,232 | $44,800 | $21.54/hr | +20.0% |
| 3 bedroom | $1,433 | $1,290 to $1,576 | $57,320 | $27.56/hr | +16.3% |
| 4 bedroom | $1,879 | $1,691 to $2,067 | $75,160 | $36.13/hr | +19.9% |
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 | $2,161 | $1,945 to $2,377 |
| 6 bedroom Estimate | $2,443 | $2,199 to $2,687 |
| 7 bedroom Estimate | $2,725 | $2,453 to $2,998 |
| 8 bedroom Estimate | $3,006 | $2,705 to $3,307 |
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 Bradford, that runs from $976 for a studio up to $1,879 for four bedrooms, all five rates in the table above.
Because Bradford 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, Graham included.
Among Florida's 67 counties, Bradford ranks 56th for two-bedroom FMR. That's about 24% below the state median of $1,471 and about 10% above the national median county at $1,018. About 27,816 people live here, 51st in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,080 in 32091 (Starke) and $1,460 in 32044 (Hampton), 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 Bradford somewhere between $1,008 and $1,232. 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.
$1,120 a month is affordable, by HUD's 30% rule, on an income of roughly $44,800 a year. Put another way, $22 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% ($1,008) | HAP at 100% ($1,120) | HAP at 110% ($1,232) |
|---|---|---|---|---|
| $2,500 | $750 | $258 | $370 | $482 |
| $4,000 | $1,200 | $0 | $0 | $32 |
Rate history
The two-bedroom rate went up 20% from FY 2025 ($933) to FY 2026 ($1,120). Since FY 2020 it's up 50% in total, about 7.0% 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 | $637 | $655 | $746 | $1,042 | $1,310 | — |
| FY 2021 | $637 | $652 | $743 | $1,047 | $1,286 | -0.4% |
| FY 2022 | $654 | $665 | $758 | $1,077 | $1,297 | +2.0% |
| FY 2023 | $724 | $740 | $836 | $1,172 | $1,424 | +10.3% |
| FY 2024 | $785 | $806 | $905 | $1,244 | $1,536 | +8.3% |
| FY 2025 | $811 | $843 | $933 | $1,232 | $1,567 | +3.1% |
| FY 2026 | $976 | $1,022 | $1,120 | $1,433 | $1,879 | +20.0% |
| FY 2027 | $879 | $920 | $1,008 | $1,290 | $1,692 | -10.0% |
Nearby counties
Union County
$1,13210 mi · pop 15,524
Baker County
$1,10322 mi · pop 27,969
Clay County
$1,65822 mi · pop 219,650
Alachua County
$1,49323 mi · pop 279,729
Columbia County
$1,31831 mi · pop 69,832
Duval County
$1,65840 mi · pop 995,708
St. Johns County
$1,65844 mi · pop 278,722
Gilchrist County
$1,49345 mi · pop 18,070
Questions people ask
$1,120 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $976 for a studio, $1,022 for one bedroom, $1,433 for three and $1,879 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 Bradford actually go for?
HUD's number is one input. Search any address in Bradford for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.