HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Cibola County, New Mexico (FY 2027)
$1,022 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Cibola County, and it's the baseline every voucher in Cibola is measured against.
Two-bedroom FMR
$1,022
+2.9% from FY 2026
Payment standard
$920–$1,124
90% to 110% of the FMR, two-bedroom
Income to afford
$40,880
a year, with rent at 30% of income
Rank in New Mexico
20th of 33
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 | $813 | $732–$894 | $32,520 | $15.63/hr | +10.2% |
| 1 bedroom | $852 | $767–$937 | $34,080 | $16.38/hr | +3.5% |
| 2 bedroom | $1,022 | $920–$1,124 | $40,880 | $19.65/hr | +2.9% |
| 3 bedroom | $1,218 | $1,096–$1,340 | $48,720 | $23.42/hr | -0.4% |
| 4 bedroom | $1,343 | $1,209–$1,477 | $53,720 | $25.83/hr | +2.1% |
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 | $1,544 | $1,390–$1,698 |
| 6 bedroom Estimate | $1,746 | $1,571–$1,921 |
| 7 bedroom Estimate | $1,947 | $1,752–$2,142 |
| 8 bedroom Estimate | $2,149 | $1,934–$2,364 |
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 Cibola actually rent for?
Search any address in Cibola 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 FMR isn't the check you'd receive. Your local housing authority turns it into a payment standard, set between 90% and 110% of FMR, so a two-bedroom here lands between $920 and $1,124. Subtract about 30% of the tenant's income and that's the housing assistance payment. If you ask more than similar unassisted units rent for, the PHA's rent reasonableness check will push back.
At the standard 30% of income, a household needs about $40,880 a year to afford $1,022 a month. On a 40-hour week that's $20 an hour.
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%$920 | Voucher pays at 100%$1,022 | Voucher pays at 110%$1,124 |
|---|---|---|---|---|
| $2,500 | $750 | $170 | $272 | $374 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 3% from FY 2026 ($993) to FY 2027 ($1,022). Since FY 2020 it's up 43% in total, about 5.3% a year. The New Mexico median moved up 2% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $609 | $627 | $714 | $938 | $1,004 | — |
| FY 2021 | $640 | $655 | $747 | $942 | $1,013 | +4.6% |
| FY 2022 | $593 | $597 | $726 | $897 | $985 | -2.8% |
| FY 2023 | $643 | $644 | $817 | $994 | $1,098 | +12.5% |
| FY 2024 | $629 | $700 | $880 | $1,065 | $1,172 | +7.7% |
| FY 2025 | $678 | $783 | $933 | $1,171 | $1,237 | +6.0% |
| FY 2026 | $738 | $823 | $993 | $1,223 | $1,315 | +6.4% |
| FY 2027In effect | $813 | $852 | $1,022 | $1,218 | $1,343 | +2.9% |
About this rate
HUD sets Fair Market Rent once a year, based on what typical units in the area actually rent for, with utilities folded in. FY 2027 runs October 1, 2026 through September 30, 2027, and in Cibola County the five published rates run from $813 to $1,343, studio through four bedrooms.
Cibola is a nonmetro county, so HUD sets its FMR from rents in the county itself rather than a wider metro. The number applies county-wide, from Bluewater on out.
The state median two-bedroom FMR is $1,063. Cibola comes in at $1,022, about 4% below that, and ranks 20th of 33 in New Mexico. Against the national median county ($1,063) it's about 4% below. Population is around 26,845.
Rates by ZIP code
HUD also publishes Small Area FMRs for the 12 ZIP codes it covers in Cibola. Two-bedroom rates run from $1,010 in 87315 (Fence Lake) to $1,430 in 87026 (Laguna), a $420 spread inside one county. Whether your housing authority uses the ZIP rate or the county rate depends on whether HUD has designated this area for Small Area FMRs. Ask the PHA which one it's on before you price a unit.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 87005 | Bluewater | $1,040 | +1.8% |
| 87007 | Casa Blanca | $1,020 | -0.2% |
| 87014 | Cubero | $1,320 | +29.2% |
| 87020 | Grants | $1,040 | +1.8% |
| 87021 | Milan | $1,090 | +6.7% |
| 87026 | Laguna | $1,430 | +39.9% |
| 87038 | New Laguna | $1,020 | -0.2% |
| 87040 | Paguate | $1,020 | -0.2% |
| 87049 | San Fidel | $1,020 | -0.2% |
| 87051 | San Rafael | $1,040 | +1.8% |
| 87315 | Fence Lake | $1,010 | -1.2% |
| 87357 | Pinehill | $1,010 | -1.2% |
Nearby counties
Two-bedroom FMR, with how each compares to Cibola.
McKinley County
53 mi · 70,431 people
$1,140
+12%
Valencia County
58 mi · 78,458 people
$1,384
+35%
Bernalillo County
65 mi · 673,930 people
$1,384
+35%
Sandoval County
73 mi · 153,604 people
$1,384
+35%
Socorro County
83 mi · 16,200 people
$1,014
-1%
Catron County
92 mi · 3,743 people
$1,059
+4%
Los Alamos County
101 mi · 19,435 people
$1,874
+83%
Torrance County
105 mi · 15,490 people
$1,384
+35%
Questions people ask
$1,022 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $813 for a studio, $852 for one bedroom, $1,218 for three and $1,343 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 Cibola actually go for?
HUD's number is one input. Search any address in Cibola for a rent estimate built from nearby comps. Free to start, no card.
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