HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in McKinley County, New Mexico (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in McKinley County is $1,090 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,090
FY 2026, utilities included
Payment standard range
$981 to $1,199
90% to 110% of FMR
Income to afford 2BR
$43,600
per year, at 30% of income
Rank in New Mexico
11th of 33
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in McKinley moves to $1,140. 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 McKinley actually rent for?
Search any address in McKinley 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 | $752 | $677 to $827 | $30,080 | $14.46/hr | +15.3% |
| 1 bedroom | $894 | $805 to $983 | $35,760 | $17.19/hr | +11.9% |
| 2 bedroom | $1,090 | $981 to $1,199 | $43,600 | $20.96/hr | +14.6% |
| 3 bedroom | $1,307 | $1,176 to $1,438 | $52,280 | $25.13/hr | +11.8% |
| 4 bedroom | $1,443 | $1,299 to $1,587 | $57,720 | $27.75/hr | +14.4% |
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 | $1,659 | $1,493 to $1,825 |
| 6 bedroom Estimate | $1,876 | $1,688 to $2,064 |
| 7 bedroom Estimate | $2,092 | $1,883 to $2,301 |
| 8 bedroom Estimate | $2,309 | $2,078 to $2,540 |
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 McKinley, that runs from $752 for a studio up to $1,443 for four bedrooms, all five rates in the table above.
Because McKinley 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, Gallup included.
Among New Mexico's 33 counties, McKinley ranks 11th for two-bedroom FMR. That's about 5% above the state median of $1,040 and about 7% above the national median county at $1,018. About 72,073 people live here, 8th 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 87313 (Crownpoint) and $1,640 in 87375 (Yatahey), with the 21 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 |
|---|---|---|---|
| 87045 | Prewitt | $980 | -10.1% |
| 87301 | Gallup | $1,110 | +1.8% |
| 87302 | Gallup | $1,090County rate | — |
| 87305 | Gallup | $1,090 | 0.0% |
| 87310 | Brimhall | $1,220 | +11.9% |
| 87311 | Church Rock | $1,100 | +0.9% |
| 87312 | Continental Divide | $1,150 | +5.5% |
| 87313 | Crownpoint | $970 | -11.0% |
| 87316 | Fort Wingate | $1,370 | +25.7% |
| 87317 | Gamerco | $1,410 | +29.4% |
| 87319 | Mentmore | $1,190 | +9.2% |
| 87320 | Mexican Springs | $1,140 | +4.6% |
| 87321 | Ramah | $1,510 | +38.5% |
| 87322 | Rehoboth | $1,150 | +5.5% |
| 87323 | Thoreau | $1,130 | +3.7% |
| 87325 | Tohatchi | $1,050 | -3.7% |
| 87326 | Vanderwagen | $1,090 | 0.0% |
| 87327 | Zuni | $970 | -11.0% |
| 87328 | Navajo | $1,050 | -3.7% |
| 87347 | Jamestown | $1,420 | +30.3% |
| 87365 | Smith Lake | $1,130 | +3.7% |
| 87375 | Yatahey | $1,640 | +50.5% |
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 McKinley somewhere between $981 and $1,199. 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.
$1,090 a month is affordable, by HUD's 30% rule, on an income of roughly $43,600 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% ($981) | HAP at 100% ($1,090) | HAP at 110% ($1,199) |
|---|---|---|---|---|
| $2,500 | $750 | $231 | $340 | $449 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 15% from FY 2025 ($951) to FY 2026 ($1,090). Since FY 2020 it's up 53% in total, about 7.3% 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 | $556 | $627 | $714 | $911 | $967 | — |
| FY 2021 | $636 | $645 | $742 | $966 | $1,006 | +3.9% |
| FY 2022 | $608 | $612 | $726 | $967 | $985 | -2.2% |
| FY 2023 | $666 | $671 | $795 | $1,063 | $1,068 | +9.5% |
| FY 2024 | $663 | $739 | $877 | $1,127 | $1,168 | +10.3% |
| FY 2025 | $652 | $799 | $951 | $1,169 | $1,261 | +8.4% |
| FY 2026 | $752 | $894 | $1,090 | $1,307 | $1,443 | +14.6% |
| FY 2027 | $794 | $911 | $1,140 | $1,358 | $1,498 | +4.6% |
Nearby counties
Cibola County
$99353 mi · pop 27,211
San Juan County
$1,08579 mi · pop 121,798
Sandoval County
$1,464104 mi · pop 149,460
Valencia County
$1,464110 mi · pop 76,613
Bernalillo County
$1,464112 mi · pop 674,692
Catron County
$1,040112 mi · pop 3,635
Los Alamos County
$1,740130 mi · pop 19,253
Rio Arriba County
$973136 mi · pop 40,285
Questions people ask
$1,090 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $752 for a studio, $894 for one bedroom, $1,307 for three and $1,443 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 McKinley actually go for?
HUD's number is one input. Search any address in McKinley for a rent estimate built from nearby comps. 3 free searches, no card.
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