HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Crow Wing County, Minnesota (FY 2026)
$1,120 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Crow Wing County, and it's the baseline every voucher in Crow Wing is measured against.
2 bedroom FMR
$1,120
FY 2026, utilities included
Payment standard range
$1,008 to $1,232
90% to 110% of FMR
Income to afford 2BR
$44,800
per year, at 30% of income
Rank in Minnesota
27th of 87
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Crow Wing moves to $1,172. That's up 5%. The full FY 2027 table is in the history section below.
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.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $772 | $695 to $849 | $30,880 | $14.85/hr | +7.7% |
| 1 bedroom | $854 | $769 to $939 | $34,160 | $16.42/hr | +7.2% |
| 2 bedroom | $1,120 | $1,008 to $1,232 | $44,800 | $21.54/hr | +7.2% |
| 3 bedroom | $1,345 | $1,211 to $1,480 | $53,800 | $25.87/hr | +6.2% |
| 4 bedroom | $1,569 | $1,412 to $1,726 | $62,760 | $30.17/hr | +4.6% |
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 | $1,804 | $1,624 to $1,984 |
| 6 bedroom Estimate | $2,040 | $1,836 to $2,244 |
| 7 bedroom Estimate | $2,275 | $2,048 to $2,503 |
| 8 bedroom Estimate | $2,510 | $2,259 to $2,761 |
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 Crow Wing, that runs from $772 for a studio up to $1,569 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 27th for two-bedroom FMR. That's about 12% above the state median of $999 and about 10% above the national median county at $1,018. About 66,558 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 $990 in 56472 (Pequot Lakes) and $1,620 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 | $1,060 | -5.4% |
| 56425 | Baxter | $1,310 | +17.0% |
| 56441 | Crosby | $1,030 | -8.0% |
| 56442 | Crosslake | $1,120 | 0.0% |
| 56444 | Deerwood | $1,020 | -8.9% |
| 56447 | Emily | $1,620 | +44.6% |
| 56448 | Fifty Lakes | $1,190 | +6.3% |
| 56449 | Fort Ripley | $1,270 | +13.4% |
| 56450 | Garrison | $1,190 | +6.3% |
| 56455 | Ironton | $1,240 | +10.7% |
| 56456 | Jenkins | $1,120County rate | — |
| 56459 | Lake Hubert | $1,120County rate | — |
| 56465 | Merrifield | $1,080 | -3.6% |
| 56468 | Nisswa | $1,170 | +4.5% |
| 56472 | Pequot Lakes | $990 | -11.6% |
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 $1,008 and $1,232. 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.
$1,120 a month is affordable, by HUD's 30% rule, on an income of roughly $44,800 a year. Put another way, $22 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% ($1,008) | HAP at 100% ($1,120) | HAP at 110% ($1,232) |
|---|---|---|---|---|
| $2,500 | $750 | $258 | $370 | $482 |
| $4,000 | $1,200 | $0 | $0 | $32 |
Rate history
The two-bedroom rate went up 7% from FY 2025 ($1,045) to FY 2026 ($1,120). Since FY 2020 it's up 34% in total, about 5.0% a year. The Minnesota median moved up 7% over the same year.
| 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 2027 | $816 | $899 | $1,172 | $1,407 | $1,609 | +4.6% |
Nearby counties
Questions people ask
$1,120 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $772 for a studio, $854 for one bedroom, $1,345 for three and $1,569 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 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. 3 free searches, no card.
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