HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cibola County, New Mexico (FY 2026)
$993 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Cibola County, and it's the baseline every voucher in Cibola is measured against.
2 bedroom FMR
$993
FY 2026, utilities included
Payment standard range
$894 to $1,092
90% to 110% of FMR
Income to afford 2BR
$39,720
per year, at 30% of income
Rank in New Mexico
21st of 33
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cibola moves to $1,022. That's up 3%. The full FY 2027 table is in the history section below.
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.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $738 | $664 to $812 | $29,520 | $14.19/hr | +8.8% |
| 1 bedroom | $823 | $741 to $905 | $32,920 | $15.83/hr | +5.1% |
| 2 bedroom | $993 | $894 to $1,092 | $39,720 | $19.10/hr | +6.4% |
| 3 bedroom | $1,223 | $1,101 to $1,345 | $48,920 | $23.52/hr | +4.4% |
| 4 bedroom | $1,315 | $1,184 to $1,447 | $52,600 | $25.29/hr | +6.3% |
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 | $1,512 | $1,361 to $1,663 |
| 6 bedroom Estimate | $1,710 | $1,539 to $1,881 |
| 7 bedroom Estimate | $1,907 | $1,716 to $2,098 |
| 8 bedroom Estimate | $2,104 | $1,894 to $2,314 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
HUD sets Fair Market Rent once a year, based on what typical units in the area actually rent for, with utilities folded in. FY 2026 runs October 1, 2025 through September 30, 2026, and in Cibola County the five published rates run from $738 to $1,315, 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 $1,040. Cibola comes in at $993, about 5% below that, and ranks 21st of 33 in New Mexico. Against the national median county ($1,018) it's about 2% below. Population is around 27,211.
Rates by ZIP code
HUD also publishes Small Area FMRs for the 12 ZIP codes it covers in Cibola. Two-bedroom rates run from $970 in 87315 (Fence Lake) to $1,530 in 87026 (Laguna), a $560 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 | $1,010 | +1.7% |
| 87007 | Casa Blanca | $990 | -0.3% |
| 87014 | Cubero | $1,210 | +21.9% |
| 87020 | Grants | $1,020 | +2.7% |
| 87021 | Milan | $1,010 | +1.7% |
| 87026 | Laguna | $1,530 | +54.1% |
| 87038 | New Laguna | $990 | -0.3% |
| 87040 | Paguate | $990 | -0.3% |
| 87049 | San Fidel | $990 | -0.3% |
| 87051 | San Rafael | $1,020 | +2.7% |
| 87315 | Fence Lake | $970 | -2.3% |
| 87357 | Pinehill | $970 | -2.3% |
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 $894 and $1,092. 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 $39,720 a year to afford $993 a month. On a 40-hour week that's $19 an hour.
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% ($894) | HAP at 100% ($993) | HAP at 110% ($1,092) |
|---|---|---|---|---|
| $2,500 | $750 | $144 | $243 | $342 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($933) to FY 2026 ($993). Since FY 2020 it's up 39% in total, about 5.7% a year. The New Mexico median moved up 11% over the same year.
| 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 2027 | $813 | $852 | $1,022 | $1,218 | $1,343 | +2.9% |
Nearby counties
McKinley County
$1,09053 mi · pop 72,073
Valencia County
$1,46458 mi · pop 76,613
Bernalillo County
$1,46465 mi · pop 674,692
Sandoval County
$1,46473 mi · pop 149,460
Socorro County
$97383 mi · pop 16,453
Catron County
$1,04092 mi · pop 3,635
Los Alamos County
$1,740101 mi · pop 19,253
Torrance County
$1,464105 mi · pop 15,203
Questions people ask
$993 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $738 for a studio, $823 for one bedroom, $1,223 for three and $1,315 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 Cibola actually go for?
HUD's number is one input. Search any address in Cibola for a rent estimate built from nearby comps. 3 free searches, no card.
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