HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Curry County, New Mexico (FY 2026)
$1,098 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Curry County, and it's the baseline every voucher in Curry is measured against.
2 bedroom FMR
$1,098
FY 2026, utilities included
Payment standard range
$988 to $1,208
90% to 110% of FMR
Income to afford 2BR
$43,920
per year, at 30% of income
Rank in New Mexico
10th of 33
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Curry moves to $1,151. 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 Curry actually rent for?
Search any address in Curry 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 | $757 | $681 to $833 | $30,280 | $14.56/hr | +13.5% |
| 1 bedroom | $892 | $803 to $981 | $35,680 | $17.15/hr | +10.8% |
| 2 bedroom | $1,098 | $988 to $1,208 | $43,920 | $21.12/hr | +12.8% |
| 3 bedroom | $1,425 | $1,283 to $1,568 | $57,000 | $27.40/hr | +14.4% |
| 4 bedroom | $1,842 | $1,658 to $2,026 | $73,680 | $35.42/hr | +12.7% |
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 | $2,118 | $1,906 to $2,330 |
| 6 bedroom Estimate | $2,395 | $2,156 to $2,635 |
| 7 bedroom Estimate | $2,671 | $2,404 to $2,938 |
| 8 bedroom Estimate | $2,947 | $2,652 to $3,242 |
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 Curry, that runs from $757 for a studio up to $1,842 for four bedrooms, all five rates in the table above.
Because Curry 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, Clovis included.
Among New Mexico's 33 counties, Curry ranks 10th for two-bedroom FMR. That's about 6% above the state median of $1,040 and about 8% above the national median county at $1,018. About 48,327 people live here, 12th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 88124 (Melrose) and $1,140 in 88101 (Clovis), with the 8 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.
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 Curry somewhere between $988 and $1,208. 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.
$1,098 a month is affordable, by HUD's 30% rule, on an income of roughly $43,920 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% ($988) | HAP at 100% ($1,098) | HAP at 110% ($1,208) |
|---|---|---|---|---|
| $2,500 | $750 | $238 | $348 | $458 |
| $4,000 | $1,200 | $0 | $0 | $8 |
Rate history
The two-bedroom rate went up 13% from FY 2025 ($973) to FY 2026 ($1,098). Since FY 2020 it's up 25% in total, about 3.8% 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 | $573 | $668 | $880 | $1,204 | $1,391 | — |
| FY 2021 | $611 | $703 | $926 | $1,244 | $1,497 | +5.2% |
| FY 2022 | $550 | $633 | $834 | $1,120 | $1,378 | -9.9% |
| FY 2023 | $602 | $707 | $900 | $1,154 | $1,533 | +7.9% |
| FY 2024 | $674 | $800 | $995 | $1,266 | $1,689 | +10.6% |
| FY 2025 | $667 | $805 | $973 | $1,246 | $1,634 | -2.2% |
| FY 2026 | $757 | $892 | $1,098 | $1,425 | $1,842 | +12.8% |
| FY 2027 | $802 | $891 | $1,151 | $1,522 | $1,889 | +4.8% |
Nearby counties
Questions people ask
$1,098 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $757 for a studio, $892 for one bedroom, $1,425 for three and $1,842 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 Curry actually go for?
HUD's number is one input. Search any address in Curry for a rent estimate built from nearby comps. 3 free searches, no card.
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