HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Adair County, Iowa (FY 2026)
$926 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Adair County, and it's the baseline every voucher in Adair is measured against.
2 bedroom FMR
$926
FY 2026, utilities included
Payment standard range
$833 to $1,019
90% to 110% of FMR
Income to afford 2BR
$37,040
per year, at 30% of income
Rank in Iowa
45th of 99
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Adair moves to $954. That's up 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Adair actually rent for?
Search any address in Adair 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 | $687 | $618 to $756 | $27,480 | $13.21/hr | +6.3% |
| 1 bedroom | $706 | $635 to $777 | $28,240 | $13.58/hr | +5.7% |
| 2 bedroom | $926 | $833 to $1,019 | $37,040 | $17.81/hr | +5.6% |
| 3 bedroom | $1,201 | $1,081 to $1,321 | $48,040 | $23.10/hr | +3.7% |
| 4 bedroom | $1,285 | $1,157 to $1,414 | $51,400 | $24.71/hr | +10.5% |
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 | $1,478 | $1,330 to $1,626 |
| 6 bedroom Estimate | $1,671 | $1,504 to $1,838 |
| 7 bedroom Estimate | $1,863 | $1,677 to $2,049 |
| 8 bedroom Estimate | $2,056 | $1,850 to $2,262 |
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 Adair, that runs from $687 for a studio up to $1,285 for four bedrooms, all five rates in the table above.
Because Adair 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, Adair included.
Among Iowa's 99 counties, Adair ranks 45th for two-bedroom FMR. That's within a couple percent of the state median of $919 and about 9% below the national median county at $1,018. About 7,479 people live here, 88th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $920 in 50837 (Bridgewater) and $1,050 in 50002 (Adair), with the 5 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 Adair somewhere between $833 and $1,019. 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.
$926 a month is affordable, by HUD's 30% rule, on an income of roughly $37,040 a year. Put another way, $18 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% ($833) | HAP at 100% ($926) | HAP at 110% ($1,019) |
|---|---|---|---|---|
| $2,500 | $750 | $83 | $176 | $269 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($877) to FY 2026 ($926). Since FY 2020 it's up 35% in total, about 5.1% a year. The Iowa median moved up 5% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $497 | $530 | $687 | $966 | $1,000 | — |
| FY 2021 | $519 | $543 | $715 | $1,023 | $1,035 | +4.1% |
| FY 2022 | $534 | $562 | $739 | $1,020 | $1,024 | +3.4% |
| FY 2023 | $581 | $604 | $795 | $1,071 | $1,075 | +7.6% |
| FY 2024 | $630 | $656 | $862 | $1,144 | $1,148 | +8.4% |
| FY 2025 | $646 | $668 | $877 | $1,158 | $1,163 | +1.7% |
| FY 2026 | $687 | $706 | $926 | $1,201 | $1,285 | +5.6% |
| FY 2027 | $709 | $729 | $954 | $1,236 | $1,380 | +3.0% |
Nearby counties
Questions people ask
$926 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $687 for a studio, $706 for one bedroom, $1,201 for three and $1,285 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 Adair actually go for?
HUD's number is one input. Search any address in Adair for a rent estimate built from nearby comps. 3 free searches, no card.
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