HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in White County, Indiana (FY 2026)
A two-bedroom in White County carries a FY 2026 Fair Market Rent of $1,030 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in White keys off that figure.
2 bedroom FMR
$1,030
FY 2026, utilities included
Payment standard range
$927 to $1,133
90% to 110% of FMR
Income to afford 2BR
$41,200
per year, at 30% of income
Rank in Indiana
44th of 92
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in White moves to $1,134. That's up 10%. 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 | $738 | $664 to $812 | $29,520 | $14.19/hr | +6.6% |
| 1 bedroom | $785 | $707 to $864 | $31,400 | $15.10/hr | +4.5% |
| 2 bedroom | $1,030 | $927 to $1,133 | $41,200 | $19.81/hr | +4.6% |
| 3 bedroom | $1,235 | $1,112 to $1,359 | $49,400 | $23.75/hr | +4.0% |
| 4 bedroom | $1,364 | $1,228 to $1,500 | $54,560 | $26.23/hr | +4.4% |
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 | $1,569 | $1,412 to $1,726 |
| 6 bedroom Estimate | $1,773 | $1,596 to $1,950 |
| 7 bedroom Estimate | $1,978 | $1,780 to $2,176 |
| 8 bedroom Estimate | $2,182 | $1,964 to $2,400 |
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 $738 for a studio up to $1,364 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, Brookston included.
Among Indiana's 92 counties, White ranks 44th for two-bedroom FMR. That's about 2% above the state median of $1,009 and within a couple percent of the national median county at $1,018. About 24,630 people live here, 62nd 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 47980 (Reynolds) and $1,130 in 47950 (Idaville), with the 9 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 $927 and $1,133. 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.
$1,030 a month is affordable, by HUD's 30% rule, on an income of roughly $41,200 a year. Put another way, $20 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% ($927) | HAP at 100% ($1,030) | HAP at 110% ($1,133) |
|---|---|---|---|---|
| $2,500 | $750 | $177 | $280 | $383 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 5% from FY 2025 ($985) to FY 2026 ($1,030). Since FY 2020 it's up 41% in total, about 5.8% 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 | $514 | $557 | $733 | $1,032 | $1,049 | — |
| FY 2021 | $526 | $571 | $752 | $1,016 | $1,020 | +2.6% |
| FY 2022 | $530 | $577 | $759 | $1,012 | $1,029 | +0.9% |
| FY 2023 | $600 | $654 | $861 | $1,088 | $1,157 | +13.4% |
| FY 2024 | $624 | $683 | $897 | $1,085 | $1,195 | +4.2% |
| FY 2025 | $692 | $751 | $985 | $1,187 | $1,306 | +9.8% |
| FY 2026 | $738 | $785 | $1,030 | $1,235 | $1,364 | +4.6% |
| FY 2027 | $848 | $867 | $1,134 | $1,351 | $1,490 | +10.1% |
Nearby counties
Questions people ask
$1,030 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $738 for a studio, $785 for one bedroom, $1,235 for three and $1,364 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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