HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Whitley County, Indiana (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Whitley County is $1,113 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,113
FY 2026, utilities included
Payment standard range
$1,002 to $1,224
90% to 110% of FMR
Income to afford 2BR
$44,520
per year, at 30% of income
Rank in Indiana
34th of 92
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Whitley moves to $1,248. That's up 12%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Whitley actually rent for?
Search any address in Whitley 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 | $892 | $803 to $981 | $35,680 | $17.15/hr | -5.4% |
| 1 bedroom | $916 | $824 to $1,008 | $36,640 | $17.62/hr | -7.6% |
| 2 bedroom | $1,113 | $1,002 to $1,224 | $44,520 | $21.40/hr | -7.2% |
| 3 bedroom | $1,381 | $1,243 to $1,519 | $55,240 | $26.56/hr | -8.7% |
| 4 bedroom | $1,512 | $1,361 to $1,663 | $60,480 | $29.08/hr | -7.4% |
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 | $1,739 | $1,565 to $1,913 |
| 6 bedroom Estimate | $1,966 | $1,769 to $2,163 |
| 7 bedroom Estimate | $2,192 | $1,973 to $2,411 |
| 8 bedroom Estimate | $2,419 | $2,177 to $2,661 |
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 Whitley, that runs from $892 for a studio up to $1,512 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 Whitley in with one other county in the Fort Wayne metro, Allen County among them, and every one of them gets $1,113 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 Indiana's 92 counties, Whitley ranks 34th for two-bedroom FMR. That's about 10% above the state median of $1,009 and about 9% above the national median county at $1,018. About 34,259 people live here, 47th in the state.
Counties sharing the Fort Wayne metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $980 in 46787 (South Whitley) and $1,160 in 46764 (Larwill), 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 Whitley somewhere between $1,002 and $1,224. 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.
$1,113 a month is affordable, by HUD's 30% rule, on an income of roughly $44,520 a year. Put another way, $21 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% ($1,002) | HAP at 100% ($1,113) | HAP at 110% ($1,224) |
|---|---|---|---|---|
| $2,500 | $750 | $252 | $363 | $474 |
| $4,000 | $1,200 | $0 | $0 | $24 |
Rate history
The two-bedroom rate went down 7% from FY 2025 ($1,199) to FY 2026 ($1,113). Since FY 2020 it's up 45% in total, about 6.4% 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 | $511 | $611 | $767 | $988 | $1,084 | — |
| FY 2021 | $526 | $632 | $784 | $1,003 | $1,108 | +2.2% |
| FY 2022 | $565 | $665 | $822 | $1,048 | $1,151 | +4.8% |
| FY 2023 | $658 | $743 | $911 | $1,161 | $1,266 | +10.8% |
| FY 2024 | $826 | $895 | $1,089 | $1,379 | $1,499 | +19.5% |
| FY 2025 | $943 | $991 | $1,199 | $1,512 | $1,632 | +10.1% |
| FY 2026 | $892 | $916 | $1,113 | $1,381 | $1,512 | -7.2% |
| FY 2027 | $1,025 | $1,026 | $1,248 | $1,534 | $1,679 | +12.1% |
Nearby counties
Questions people ask
$1,113 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $892 for a studio, $916 for one bedroom, $1,381 for three and $1,512 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 Whitley actually go for?
HUD's number is one input. Search any address in Whitley for a rent estimate built from nearby comps. 3 free searches, no card.
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