HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Polk County, Minnesota (FY 2026)
$1,089 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Polk County, and it's the baseline every voucher in Polk is measured against.
2 bedroom FMR
$1,089
FY 2026, utilities included
Payment standard range
$980 to $1,198
90% to 110% of FMR
Income to afford 2BR
$43,560
per year, at 30% of income
Rank in Minnesota
31st of 87
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Polk moves to $1,014. That's down 7%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Polk actually rent for?
Search any address in Polk 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 | $863 | $777 to $949 | $34,520 | $16.60/hr | +11.1% |
| 1 bedroom | $868 | $781 to $955 | $34,720 | $16.69/hr | +11.0% |
| 2 bedroom | $1,089 | $980 to $1,198 | $43,560 | $20.94/hr | +10.7% |
| 3 bedroom | $1,515 | $1,364 to $1,667 | $60,600 | $29.13/hr | +9.9% |
| 4 bedroom | $1,827 | $1,644 to $2,010 | $73,080 | $35.13/hr | +10.6% |
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 | $2,101 | $1,891 to $2,311 |
| 6 bedroom Estimate | $2,375 | $2,138 to $2,613 |
| 7 bedroom Estimate | $2,649 | $2,384 to $2,914 |
| 8 bedroom Estimate | $2,923 | $2,631 to $3,215 |
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 Polk, that runs from $863 for a studio up to $1,827 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Polk in with one other county in the Grand Forks metro, Grand Forks County among them, and every one of them gets $1,089 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Minnesota's 87 counties, Polk ranks 31st for two-bedroom FMR. That's about 9% above the state median of $999 and about 7% above the national median county at $1,018. About 31,128 people live here, 34th in the state.
Counties sharing the Grand Forks metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 56523 (Climax) and $1,170 in 56723 (Fisher), with the 16 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 |
|---|---|---|---|
| 56517 | Beltrami | $1,000 | -8.2% |
| 56523 | Climax | $970 | -10.9% |
| 56535 | Erskine | $970 | -10.9% |
| 56540 | Fertile | $970 | -10.9% |
| 56542 | Fosston | $1,010 | -7.3% |
| 56556 | Mcintosh | $970 | -10.9% |
| 56568 | Nielsville | $990 | -9.1% |
| 56592 | Winger | $970 | -10.9% |
| 56646 | Gully | $990 | -9.1% |
| 56651 | Lengby | $1,110 | +1.9% |
| 56684 | Trail | $1,000 | -8.2% |
| 56716 | Crookston | $1,030 | -5.4% |
| 56721 | East Grand Forks | $990 | -9.1% |
| 56722 | Euclid | $1,030 | -5.4% |
| 56723 | Fisher | $1,170 | +7.4% |
| 56736 | Mentor | $1,020 | -6.3% |
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 Polk somewhere between $980 and $1,198. 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.
$1,089 a month is affordable, by HUD's 30% rule, on an income of roughly $43,560 a year. Put another way, $21 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% ($980) | HAP at 100% ($1,089) | HAP at 110% ($1,198) |
|---|---|---|---|---|
| $2,500 | $750 | $230 | $339 | $448 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($984) to FY 2026 ($1,089). Since FY 2020 it's up 31% in total, about 4.6% 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 | $570 | $650 | $832 | $1,200 | $1,461 | — |
| FY 2021 | $623 | $694 | $883 | $1,264 | $1,529 | +6.1% |
| FY 2022 | $605 | $669 | $854 | $1,213 | $1,462 | -3.3% |
| FY 2023 | $683 | $702 | $890 | $1,265 | $1,516 | +4.2% |
| FY 2024 | $731 | $736 | $929 | $1,309 | $1,577 | +4.4% |
| FY 2025 | $777 | $782 | $984 | $1,379 | $1,652 | +5.9% |
| FY 2026 | $863 | $868 | $1,089 | $1,515 | $1,827 | +10.7% |
| FY 2027 | $816 | $821 | $1,014 | $1,404 | $1,695 | -6.9% |
Nearby counties
Questions people ask
$1,089 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $863 for a studio, $868 for one bedroom, $1,515 for three and $1,827 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 Polk actually go for?
HUD's number is one input. Search any address in Polk for a rent estimate built from nearby comps. 3 free searches, no card.
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