HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in White County, Georgia (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in White County is $1,177 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,177
FY 2026, utilities included
Payment standard range
$1,059 to $1,295
90% to 110% of FMR
Income to afford 2BR
$47,080
per year, at 30% of income
Rank in Georgia
58th of 159
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in White moves to $1,194. 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 White actually rent for?
Search any address in White 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 | $942 | $848 to $1,036 | $37,680 | $18.12/hr | +5.8% |
| 1 bedroom | $948 | $853 to $1,043 | $37,920 | $18.23/hr | +5.9% |
| 2 bedroom | $1,177 | $1,059 to $1,295 | $47,080 | $22.63/hr | +11.7% |
| 3 bedroom | $1,411 | $1,270 to $1,552 | $56,440 | $27.13/hr | +11.1% |
| 4 bedroom | $1,868 | $1,681 to $2,055 | $74,720 | $35.92/hr | +10.6% |
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 | $2,148 | $1,933 to $2,363 |
| 6 bedroom Estimate | $2,428 | $2,185 to $2,671 |
| 7 bedroom Estimate | $2,709 | $2,438 to $2,980 |
| 8 bedroom Estimate | $2,989 | $2,690 to $3,288 |
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 White, that runs from $942 for a studio up to $1,868 for four bedrooms, all five rates in the table above.
Because White 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, Cleveland included.
Among Georgia's 159 counties, White ranks 58th for two-bedroom FMR. That's about 10% above the state median of $1,074 and about 16% above the national median county at $1,018. About 28,165 people live here, 66th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,010 in 30545 (Helen) and $1,360 in 30528 (Cleveland), with the 3 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 White somewhere between $1,059 and $1,295. 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.
$1,177 a month is affordable, by HUD's 30% rule, on an income of roughly $47,080 a year. Put another way, $23 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% ($1,059) | HAP at 100% ($1,177) | HAP at 110% ($1,295) |
|---|---|---|---|---|
| $2,500 | $750 | $309 | $427 | $545 |
| $4,000 | $1,200 | $0 | $0 | $95 |
Rate history
The two-bedroom rate went up 12% from FY 2025 ($1,054) to FY 2026 ($1,177). Since FY 2020 it's up 64% in total, about 8.6% 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 | $566 | $570 | $718 | $949 | $973 | — |
| FY 2021 | $581 | $584 | $716 | $944 | $971 | -0.3% |
| FY 2022 | $656 | $661 | $783 | $996 | $1,062 | +9.4% |
| FY 2023 | $737 | $777 | $878 | $1,093 | $1,222 | +12.1% |
| FY 2024 | $866 | $885 | $1,012 | $1,228 | $1,530 | +15.3% |
| FY 2025 | $890 | $895 | $1,054 | $1,270 | $1,689 | +4.2% |
| FY 2026 | $942 | $948 | $1,177 | $1,411 | $1,868 | +11.7% |
| FY 2027 | $983 | $985 | $1,194 | $1,423 | $1,865 | +1.4% |
Nearby counties
Questions people ask
$1,177 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $942 for a studio, $948 for one bedroom, $1,411 for three and $1,868 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 White actually go for?
HUD's number is one input. Search any address in White for a rent estimate built from nearby comps. 3 free searches, no card.
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