HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Crow Wing County, Minnesota (FY 2027)
$1,172 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Crow Wing County, and it's the baseline every voucher in Crow Wing is measured against.
Two-bedroom FMR
$1,172
+4.6% from FY 2026
Payment standard
$1,055–$1,289
90% to 110% of the FMR, two-bedroom
Income to afford
$46,880
a year, with rent at 30% of income
Rank in Minnesota
25th of 87
by two-bedroom FMR, highest first
FY 2027 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 2026 |
|---|---|---|---|---|---|
| Studio | $816 | $734–$898 | $32,640 | $15.69/hr | +5.7% |
| 1 bedroom | $899 | $809–$989 | $35,960 | $17.29/hr | +5.3% |
| 2 bedroom | $1,172 | $1,055–$1,289 | $46,880 | $22.54/hr | +4.6% |
| 3 bedroom | $1,407 | $1,266–$1,548 | $56,280 | $27.06/hr | +4.6% |
| 4 bedroom | $1,609 | $1,448–$1,770 | $64,360 | $30.94/hr | +2.5% |
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 | $1,850 | $1,665–$2,035 |
| 6 bedroom Estimate | $2,092 | $1,883–$2,301 |
| 7 bedroom Estimate | $2,333 | $2,100–$2,566 |
| 8 bedroom Estimate | $2,574 | $2,317–$2,831 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Crow Wing actually rent for?
Search any address in Crow Wing for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Crow Wing somewhere between $1,055 and $1,289. 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.
$1,172 a month is affordable, by HUD's 30% rule, on an income of roughly $46,880 a year. Put another way, $23 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%$1,055 | Voucher pays at 100%$1,172 | Voucher pays at 110%$1,289 |
|---|---|---|---|---|
| $2,500 | $750 | $305 | $422 | $539 |
| $4,000 | $1,200 | $0 | $0 | $89 |
Rate history
The two-bedroom rate went up 5% from FY 2026 ($1,120) to FY 2027 ($1,172). Since FY 2020 it's up 40% in total, about 4.9% a year. The Minnesota median moved up 5% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $545 | $635 | $836 | $1,086 | $1,193 | — |
| FY 2021 | $523 | $601 | $792 | $1,033 | $1,147 | -5.3% |
| FY 2022 | $588 | $673 | $885 | $1,150 | $1,232 | +11.7% |
| FY 2023 | $665 | $755 | $994 | $1,280 | $1,397 | +12.3% |
| FY 2024 | $748 | $840 | $1,104 | $1,373 | $1,556 | +11.1% |
| FY 2025 | $717 | $797 | $1,045 | $1,266 | $1,500 | -5.3% |
| FY 2026 | $772 | $854 | $1,120 | $1,345 | $1,569 | +7.2% |
| FY 2027In effect | $816 | $899 | $1,172 | $1,407 | $1,609 | +4.6% |
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 2027 that's October 1, 2026 through September 30, 2027. In Crow Wing, that runs from $816 for a studio up to $1,609 for four bedrooms, all five rates in the table above.
Because Crow Wing 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, Brainerd included.
Among Minnesota's 87 counties, Crow Wing ranks 25th for two-bedroom FMR. That's about 12% above the state median of $1,048 and about 10% above the national median county at $1,063. About 67,686 people live here, 15th 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 56472 (Pequot Lakes) and $1,460 in 56447 (Emily), with the 13 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 56401 | Brainerd | $1,100 | -6.1% |
| 56425 | Baxter | $1,360 | +16.0% |
| 56441 | Crosby | $1,090 | -7.0% |
| 56442 | Crosslake | $1,110 | -5.3% |
| 56444 | Deerwood | $1,160 | -1.0% |
| 56447 | Emily | $1,460 | +24.6% |
| 56448 | Fifty Lakes | $1,130 | -3.6% |
| 56449 | Fort Ripley | $1,350 | +15.2% |
| 56450 | Garrison | $1,190 | +1.5% |
| 56455 | Ironton | $1,280 | +9.2% |
| 56456 | Jenkins | $1,172County rate | — |
| 56459 | Lake Hubert | $1,172County rate | — |
| 56465 | Merrifield | $1,120 | -4.4% |
| 56468 | Nisswa | $1,180 | +0.7% |
| 56472 | Pequot Lakes | $1,030 | -12.1% |
Nearby counties
Two-bedroom FMR, with how each compares to Crow Wing.
Aitkin County
34 mi · 16,056 people
$1,048
-11%
Cass County
36 mi · 30,992 people
$1,014
-13%
Morrison County
39 mi · 34,249 people
$1,014
-13%
Wadena County
44 mi · 14,256 people
$1,059
-10%
Todd County
48 mi · 25,575 people
$1,025
-13%
Mille Lacs County
50 mi · 27,125 people
$1,124
-4%
Hubbard County
53 mi · 21,831 people
$1,020
-13%
Kanabec County
56 mi · 16,390 people
$1,014
-13%
Questions people ask
$1,172 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $816 for a studio, $899 for one bedroom, $1,407 for three and $1,609 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 Crow Wing actually go for?
HUD's number is one input. Search any address in Crow Wing for a rent estimate built from nearby comps. Free to start, no card.
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