HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Chatham County, Georgia (FY 2026)
A two-bedroom in Chatham County carries a FY 2026 Fair Market Rent of $1,680 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Chatham keys off that figure.
2 bedroom FMR
$1,680
FY 2026, utilities included
Payment standard range
$1,512 to $1,848
90% to 110% of FMR
Income to afford 2BR
$67,200
per year, at 30% of income
Rank in Georgia
26th of 159
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Chatham moves to $1,679. That's unchanged. The full FY 2027 table is in the history section below.
Market check
Two-bedrooms in Savannah are asking $1,742. HUD says $1,680.
That's 4% above the county FMR. Median asking rent across 11 Savannah ZIP codes with active 2BR listings. FMR includes utilities and asking rents usually don't, so the true gap is a little smaller.
Comps for a specific address
A rent estimate built from nearby listings, next to the HUD number.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $1,455 | $1,310 to $1,601 | $58,200 | $27.98/hr | +9.9% |
| 1 bedroom | $1,533 | $1,380 to $1,686 | $61,320 | $29.48/hr | +7.1% |
| 2 bedroom | $1,680 | $1,512 to $1,848 | $67,200 | $32.31/hr | +6.1% |
| 3 bedroom | $2,235 | $2,012 to $2,459 | $89,400 | $42.98/hr | +4.9% |
| 4 bedroom | $2,547 | $2,292 to $2,802 | $101,880 | $48.98/hr | +3.6% |
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 | $2,929 | $2,636 to $3,222 |
| 6 bedroom Estimate | $3,311 | $2,980 to $3,642 |
| 7 bedroom Estimate | $3,693 | $3,324 to $4,062 |
| 8 bedroom Estimate | $4,075 | $3,668 to $4,483 |
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 Chatham, that runs from $1,455 for a studio up to $2,547 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Chatham in with 2 other counties in the Savannah metro, Effingham County, Bryan County among them, and every one of them gets $1,680 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Georgia's 159 counties, Chatham ranks 26th for two-bedroom FMR. That's about 56% above the state median of $1,074 and about 65% above the national median county at $1,018. About 296,266 people live here, 6th in the state.
Counties sharing the Savannah metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,430 in 31302 (Bloomingdale) and $2,150 in 31411 (Savannah), with the 22 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 |
|---|---|---|---|
| 31302 | Bloomingdale | $1,430 | -14.9% |
| 31322 | Pooler | $1,970 | +17.3% |
| 31328 | Tybee Island | $1,580 | -6.0% |
| 31401 | Savannah | $1,990 | +18.5% |
| 31402 | Savannah | $1,700 | +1.2% |
| 31403 | Savannah | $1,700 | +1.2% |
| 31404 | Savannah | $1,600 | -4.8% |
| 31405 | Savannah | $1,650 | -1.8% |
| 31406 | Savannah | $1,670 | -0.6% |
| 31407 | Port Wentworth | $2,020 | +20.2% |
| 31408 | Savannah | $1,430 | -14.9% |
| 31409 | Savannah | $1,680 | 0.0% |
| 31410 | Savannah | $2,060 | +22.6% |
| 31411 | Savannah | $2,150 | +28.0% |
| 31412 | Savannah | $1,700 | +1.2% |
| 31414 | Savannah | $1,700 | +1.2% |
| 31415 | Savannah | $1,430 | -14.9% |
| 31416 | Savannah | $1,700 | +1.2% |
| 31418 | Savannah | $1,700 | +1.2% |
| 31419 | Savannah | $1,800 | +7.1% |
| 31420 | Savannah | $1,700 | +1.2% |
| 31421 | Savannah | $1,990 | +18.5% |
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 Chatham somewhere between $1,512 and $1,848. 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.
$1,680 a month is affordable, by HUD's 30% rule, on an income of roughly $67,200 a year. Put another way, $32 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% ($1,512) | HAP at 100% ($1,680) | HAP at 110% ($1,848) |
|---|---|---|---|---|
| $2,500 | $750 | $762 | $930 | $1,098 |
| $4,000 | $1,200 | $312 | $480 | $648 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,584) to FY 2026 ($1,680). Since FY 2020 it's up 66% in total, about 8.9% a year. The Georgia median moved up 9% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $838 | $887 | $1,010 | $1,385 | $1,589 | — |
| FY 2021 | $877 | $921 | $1,050 | $1,442 | $1,671 | +4.0% |
| FY 2022 | $880 | $937 | $1,067 | $1,466 | $1,713 | +1.6% |
| FY 2023 | $1,031 | $1,112 | $1,256 | $1,715 | $2,008 | +17.7% |
| FY 2024 | $1,191 | $1,287 | $1,445 | $1,967 | $2,306 | +15.0% |
| FY 2025 | $1,324 | $1,431 | $1,584 | $2,131 | $2,459 | +9.6% |
| FY 2026 | $1,455 | $1,533 | $1,680 | $2,235 | $2,547 | +6.1% |
| FY 2027 | $1,481 | $1,542 | $1,679 | $2,185 | $2,484 | -0.1% |
Nearby counties
Questions people ask
$1,680 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,455 for a studio, $1,533 for one bedroom, $2,235 for three and $2,547 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 Chatham actually go for?
HUD's number is one input. Search any address in Chatham for a rent estimate built from nearby comps. 3 free searches, no card.
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