HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Finney County, Kansas (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Finney County is $1,041 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,041
FY 2026, utilities included
Payment standard range
$937 to $1,145
90% to 110% of FMR
Income to afford 2BR
$41,640
per year, at 30% of income
Rank in Kansas
22nd of 105
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Finney moves to $1,153. That's up 11%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Finney actually rent for?
Search any address in Finney 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 | $788 | $709 to $867 | $31,520 | $15.15/hr | +6.6% |
| 1 bedroom | $793 | $714 to $872 | $31,720 | $15.25/hr | +0.9% |
| 2 bedroom | $1,041 | $937 to $1,145 | $41,640 | $20.02/hr | +1.0% |
| 3 bedroom | $1,435 | $1,292 to $1,579 | $57,400 | $27.60/hr | +4.0% |
| 4 bedroom | $1,705 | $1,535 to $1,876 | $68,200 | $32.79/hr | -0.7% |
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 | $1,961 | $1,765 to $2,157 |
| 6 bedroom Estimate | $2,217 | $1,995 to $2,439 |
| 7 bedroom Estimate | $2,472 | $2,225 to $2,719 |
| 8 bedroom Estimate | $2,728 | $2,455 to $3,001 |
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 Finney, that runs from $788 for a studio up to $1,705 for four bedrooms, all five rates in the table above.
Because Finney 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, Garden City included.
Among Kansas's 105 counties, Finney ranks 22nd for two-bedroom FMR. That's about 19% above the state median of $877 and about 2% above the national median county at $1,018. About 38,187 people live here, 12th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,030 in 67868 (Pierceville) and $1,170 in 67851 (Holcomb), 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 Finney somewhere between $937 and $1,145. 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.
$1,041 a month is affordable, by HUD's 30% rule, on an income of roughly $41,640 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% ($937) | HAP at 100% ($1,041) | HAP at 110% ($1,145) |
|---|---|---|---|---|
| $2,500 | $750 | $187 | $291 | $395 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($1,031) to FY 2026 ($1,041). Since FY 2020 it's up 32% in total, about 4.7% a year. The Kansas median moved up 1% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $579 | $602 | $790 | $993 | $1,126 | — |
| FY 2021 | $606 | $611 | $802 | $1,033 | $1,151 | +1.5% |
| FY 2022 | $639 | $644 | $847 | $1,106 | $1,241 | +5.6% |
| FY 2023 | $688 | $706 | $929 | $1,223 | $1,424 | +9.7% |
| FY 2024 | $737 | $782 | $1,028 | $1,357 | $1,629 | +10.7% |
| FY 2025 | $739 | $786 | $1,031 | $1,380 | $1,717 | +0.3% |
| FY 2026 | $788 | $793 | $1,041 | $1,435 | $1,705 | +1.0% |
| FY 2027 | $872 | $881 | $1,153 | $1,584 | $1,919 | +10.8% |
Nearby counties
Questions people ask
$1,041 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $788 for a studio, $793 for one bedroom, $1,435 for three and $1,705 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 Finney actually go for?
HUD's number is one input. Search any address in Finney for a rent estimate built from nearby comps. 3 free searches, no card.
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