HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Kosciusko County, Indiana (FY 2026)
A two-bedroom in Kosciusko County carries a FY 2026 Fair Market Rent of $1,142 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Kosciusko keys off that figure.
2 bedroom FMR
$1,142
FY 2026, utilities included
Payment standard range
$1,028 to $1,256
90% to 110% of FMR
Income to afford 2BR
$45,680
per year, at 30% of income
Rank in Indiana
27th of 92
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Kosciusko moves to $1,162. That's up 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Kosciusko actually rent for?
Search any address in Kosciusko 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 | $875 | $788 to $963 | $35,000 | $16.83/hr | +1.0% |
| 1 bedroom | $881 | $793 to $969 | $35,240 | $16.94/hr | +1.1% |
| 2 bedroom | $1,142 | $1,028 to $1,256 | $45,680 | $21.96/hr | +6.1% |
| 3 bedroom | $1,385 | $1,247 to $1,524 | $55,400 | $26.63/hr | +4.6% |
| 4 bedroom | $1,560 | $1,404 to $1,716 | $62,400 | $30.00/hr | +3.3% |
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 | $1,794 | $1,615 to $1,973 |
| 6 bedroom Estimate | $2,028 | $1,825 to $2,231 |
| 7 bedroom Estimate | $2,262 | $2,036 to $2,488 |
| 8 bedroom Estimate | $2,496 | $2,246 to $2,746 |
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 Kosciusko, that runs from $875 for a studio up to $1,560 for four bedrooms, all five rates in the table above.
Because Kosciusko 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, Warsaw included.
Among Indiana's 92 counties, Kosciusko ranks 27th for two-bedroom FMR. That's about 13% above the state median of $1,009 and about 12% above the national median county at $1,018. About 80,442 people live here, 20th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $960 in 46562 (Pierceton) and $1,220 in 46582 (Warsaw), with the 15 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 |
|---|---|---|---|
| 46502 | Atwood | $1,140 | -0.2% |
| 46508 | Burket | $970 | -15.1% |
| 46510 | Claypool | $1,020 | -10.7% |
| 46524 | Etna Green | $970 | -15.1% |
| 46538 | Leesburg | $1,130 | -1.1% |
| 46539 | Mentone | $1,080 | -5.4% |
| 46542 | Milford | $1,160 | +1.6% |
| 46555 | North Webster | $1,170 | +2.5% |
| 46562 | Pierceton | $960 | -15.9% |
| 46567 | Syracuse | $1,100 | -3.7% |
| 46580 | Warsaw | $1,130 | -1.1% |
| 46581 | Warsaw | $1,140 | -0.2% |
| 46582 | Warsaw | $1,220 | +6.8% |
| 46590 | Winona Lake | $1,210 | +6.0% |
| 46982 | Silver Lake | $1,090 | -4.6% |
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 Kosciusko somewhere between $1,028 and $1,256. 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.
$1,142 a month is affordable, by HUD's 30% rule, on an income of roughly $45,680 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% ($1,028) | HAP at 100% ($1,142) | HAP at 110% ($1,256) |
|---|---|---|---|---|
| $2,500 | $750 | $278 | $392 | $506 |
| $4,000 | $1,200 | $0 | $0 | $56 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,076) to FY 2026 ($1,142). Since FY 2020 it's up 50% in total, about 7.0% a year. The Indiana median moved up 2% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $553 | $630 | $763 | $995 | $1,043 | — |
| FY 2021 | $569 | $657 | $794 | $1,030 | $1,083 | +4.1% |
| FY 2022 | $552 | $669 | $791 | $999 | $1,095 | -0.4% |
| FY 2023 | $623 | $763 | $893 | $1,107 | $1,255 | +12.9% |
| FY 2024 | $785 | $790 | $942 | $1,162 | $1,351 | +5.5% |
| FY 2025 | $866 | $871 | $1,076 | $1,324 | $1,510 | +14.2% |
| FY 2026 | $875 | $881 | $1,142 | $1,385 | $1,560 | +6.1% |
| FY 2027 | $882 | $888 | $1,162 | $1,410 | $1,527 | +1.8% |
Nearby counties
Whitley County
$1,11320 mi · pop 34,259
Marshall County
$1,00823 mi · pop 46,208
Elkhart County
$1,18325 mi · pop 206,841
Noble County
$96725 mi · pop 47,431
Fulton County
$96226 mi · pop 20,420
Wabash County
$95626 mi · pop 31,032
Huntington County
$95634 mi · pop 36,699
St. Joseph County
$1,29234 mi · pop 272,388
Questions people ask
$1,142 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $875 for a studio, $881 for one bedroom, $1,385 for three and $1,560 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 Kosciusko actually go for?
HUD's number is one input. Search any address in Kosciusko for a rent estimate built from nearby comps. 3 free searches, no card.
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