HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Graham County, Kansas (FY 2026)
A two-bedroom in Graham County carries a FY 2026 Fair Market Rent of $877 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Graham keys off that figure.
Two-bedroom FMR
$877
+0.6% from FY 2025
Payment standard
$789–$965
90% to 110% of the FMR, two-bedroom
Income to afford
$35,080
a year, with rent at 30% of income
Rank in Kansas
60th of 105
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Graham moves to $961. That's up 10%. The full FY 2027 table is in the history section below.
FY 2026 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $643 | $579–$707 | $25,720 | $12.37/hr | +2.9% |
| 1 bedroom | $668 | $601–$735 | $26,720 | $12.85/hr | +0.5% |
| 2 bedroom | $877 | $789–$965 | $35,080 | $16.87/hr | +0.6% |
| 3 bedroom | $1,115 | $1,004–$1,227 | $44,600 | $21.44/hr | -0.1% |
| 4 bedroom | $1,276 | $1,148–$1,404 | $51,040 | $24.54/hr | +2.0% |
Five to eight 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 | $1,467 | $1,320–$1,614 |
| 6 bedroom Estimate | $1,659 | $1,493–$1,825 |
| 7 bedroom Estimate | $1,850 | $1,665–$2,035 |
| 8 bedroom Estimate | $2,042 | $1,838–$2,246 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Graham actually rent for?
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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 Graham somewhere between $789 and $965. 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.
$877 a month is affordable, by HUD's 30% rule, on an income of roughly $35,080 a year. Put another way, $17 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$789 | Voucher pays at 100%$877 | Voucher pays at 110%$965 |
|---|---|---|---|---|
| $2,500 | $750 | $39 | $127 | $215 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($872) to FY 2026 ($877). Since FY 2020 it's up 23% in total, about 3.5% a year. The Kansas median moved up 1% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $524 | $627 | $714 | $959 | $1,039 | — |
| FY 2021 | $543 | $629 | $718 | $987 | $1,042 | +0.6% |
| FY 2022 | $566 | $591 | $742 | $1,029 | $1,064 | +3.3% |
| FY 2023 | $584 | $599 | $788 | $1,052 | $1,117 | +6.2% |
| FY 2024 | $633 | $671 | $882 | $1,135 | $1,244 | +11.9% |
| FY 2025 | $625 | $665 | $872 | $1,116 | $1,251 | -1.1% |
| FY 2026In effect | $643 | $668 | $877 | $1,115 | $1,276 | +0.6% |
| FY 2027From Oct 1, 2026 | $707 | $735 | $961 | $1,261 | $1,418 | +9.6% |
About this rate
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 Graham, that runs from $643 for a studio up to $1,276 for four bedrooms, all five rates in the table above.
Because Graham 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, Bogue included.
Among Kansas's 105 counties, Graham ranks 60th for two-bedroom FMR. That's within a couple percent of the state median of $877 and about 14% below the national median county at $1,018. About 2,430 people live here, 97th in the state.
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 4 ZIP codes it covers in Graham, the two-bedroom rate is $880 across the board, so there's no ZIP-level story here.
Nearby counties
Two-bedroom FMR, with how each compares to Graham.
Trego County
24 mi · 2,798 people
$877
same rate
Rooks County
28 mi · 4,925 people
$877
same rate
Norton County
29 mi · 5,431 people
$877
same rate
Sheridan County
33 mi · 2,450 people
$877
same rate
Decatur County
36 mi · 2,771 people
$877
same rate
Gove County
36 mi · 2,758 people
$877
same rate
Phillips County
40 mi · 4,960 people
$877
same rate
Ellis County
49 mi · 28,921 people
$941
+7%
Questions people ask
$877 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $643 for a studio, $668 for one bedroom, $1,115 for three and $1,276 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Graham actually go for?
HUD's number is one input. Search any address in Graham for a rent estimate built from nearby comps. 3 free searches, no card.
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