HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Union County, Florida (FY 2026)
$1,132 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Union County, and it's the baseline every voucher in Union is measured against.
2 bedroom FMR
$1,132
FY 2026, utilities included
Payment standard range
$1,019 to $1,245
90% to 110% of FMR
Income to afford 2BR
$45,280
per year, at 30% of income
Rank in Florida
55th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Union moves to $1,019. 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 Union actually rent for?
Search any address in Union 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 | $857 | $771 to $943 | $34,280 | $16.48/hr | +21.2% |
| 1 bedroom | $863 | $777 to $949 | $34,520 | $16.60/hr | +21.4% |
| 2 bedroom | $1,132 | $1,019 to $1,245 | $45,280 | $21.77/hr | +21.3% |
| 3 bedroom | $1,421 | $1,279 to $1,563 | $56,840 | $27.33/hr | +23.1% |
| 4 bedroom | $1,499 | $1,349 to $1,649 | $59,960 | $28.83/hr | +20.2% |
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 | $1,724 | $1,552 to $1,896 |
| 6 bedroom Estimate | $1,949 | $1,754 to $2,144 |
| 7 bedroom Estimate | $2,174 | $1,957 to $2,391 |
| 8 bedroom Estimate | $2,398 | $2,158 to $2,638 |
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 Union, that runs from $857 for a studio up to $1,499 for four bedrooms, all five rates in the table above.
Because Union 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, Raiford included.
Among Florida's 67 counties, Union ranks 55th for two-bedroom FMR. That's about 23% below the state median of $1,471 and about 11% above the national median county at $1,018. About 15,524 people live here, 59th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,060 in 32054 (Lake Butler) and $1,480 in 32697 (Worthington Springs), 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 Union somewhere between $1,019 and $1,245. 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.
$1,132 a month is affordable, by HUD's 30% rule, on an income of roughly $45,280 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% ($1,019) | HAP at 100% ($1,132) | HAP at 110% ($1,245) |
|---|---|---|---|---|
| $2,500 | $750 | $269 | $382 | $495 |
| $4,000 | $1,200 | $0 | $0 | $45 |
Rate history
The two-bedroom rate went up 21% from FY 2025 ($933) to FY 2026 ($1,132). Since FY 2020 it's up 59% in total, about 8.0% 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 | $609 | $627 | $714 | $911 | $1,244 | — |
| FY 2021 | $629 | $644 | $734 | $917 | $1,271 | +2.8% |
| FY 2022 | $653 | $664 | $757 | $940 | $1,296 | +3.1% |
| FY 2023 | $706 | $710 | $826 | $1,005 | $1,407 | +9.1% |
| FY 2024 | $684 | $689 | $905 | $1,136 | $1,267 | +9.6% |
| FY 2025 | $707 | $711 | $933 | $1,154 | $1,247 | +3.1% |
| FY 2026 | $857 | $863 | $1,132 | $1,421 | $1,499 | +21.3% |
| FY 2027 | $772 | $777 | $1,019 | $1,279 | $1,350 | -10.0% |
Nearby counties
Bradford County
$1,12010 mi · pop 27,816
Baker County
$1,10316 mi · pop 27,969
Columbia County
$1,31821 mi · pop 69,832
Alachua County
$1,49324 mi · pop 279,729
Clay County
$1,65829 mi · pop 219,650
Gilchrist County
$1,49339 mi · pop 18,070
Suwannee County
$1,11039 mi · pop 43,881
Duval County
$1,65845 mi · pop 995,708
Questions people ask
$1,132 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $857 for a studio, $863 for one bedroom, $1,421 for three and $1,499 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 Union actually go for?
HUD's number is one input. Search any address in Union for a rent estimate built from nearby comps. 3 free searches, no card.
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