HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Divide County, North Dakota (FY 2026)
A two-bedroom in Divide County carries a FY 2026 Fair Market Rent of $1,534 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Divide keys off that figure.
2 bedroom FMR
$1,534
FY 2026, utilities included
Payment standard range
$1,381 to $1,687
90% to 110% of FMR
Income to afford 2BR
$61,360
per year, at 30% of income
Rank in North Dakota
1st of 53
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Divide moves to $1,858. That's up 21%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Divide actually rent for?
Search any address in Divide 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 | $1,225 | $1,103 to $1,348 | $49,000 | $23.56/hr | +6.4% |
| 1 bedroom | $1,233 | $1,110 to $1,356 | $49,320 | $23.71/hr | +6.4% |
| 2 bedroom | $1,534 | $1,381 to $1,687 | $61,360 | $29.50/hr | +8.1% |
| 3 bedroom | $1,839 | $1,655 to $2,023 | $73,560 | $35.37/hr | +7.5% |
| 4 bedroom | $2,573 | $2,316 to $2,830 | $102,920 | $49.48/hr | +8.0% |
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 | $2,959 | $2,663 to $3,255 |
| 6 bedroom Estimate | $3,345 | $3,011 to $3,680 |
| 7 bedroom Estimate | $3,731 | $3,358 to $4,104 |
| 8 bedroom Estimate | $4,117 | $3,705 to $4,529 |
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 Divide, that runs from $1,225 for a studio up to $2,573 for four bedrooms, all five rates in the table above.
Because Divide 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, Crosby included.
Among North Dakota's 53 counties, Divide ranks 1st for two-bedroom FMR. That's about 76% above the state median of $873 and about 51% above the national median county at $1,018. About 2,195 people live here, 43rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,530 in 58833 (Ambrose) and $1,570 in 58765 (Noonan), with the 4 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 Divide somewhere between $1,381 and $1,687. 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.
$1,534 a month is affordable, by HUD's 30% rule, on an income of roughly $61,360 a year. Put another way, $30 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% ($1,381) | HAP at 100% ($1,534) | HAP at 110% ($1,687) |
|---|---|---|---|---|
| $2,500 | $750 | $631 | $784 | $937 |
| $4,000 | $1,200 | $181 | $334 | $487 |
Rate history
The two-bedroom rate went up 8% from FY 2025 ($1,419) to FY 2026 ($1,534). Since FY 2020 it's up 115% in total, about 13.6% a year. The North Dakota median moved down 6% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $539 | $542 | $714 | $1,030 | $1,085 | — |
| FY 2021 | $589 | $593 | $782 | $1,119 | $1,192 | +9.5% |
| FY 2022 | $596 | $600 | $789 | $1,121 | $1,245 | +0.9% |
| FY 2023 | $980 | $986 | $1,267 | $1,801 | $2,102 | +60.6% |
| FY 2024 | $1,119 | $1,126 | $1,397 | $1,689 | $2,371 | +10.3% |
| FY 2025 | $1,151 | $1,159 | $1,419 | $1,710 | $2,383 | +1.6% |
| FY 2026 | $1,225 | $1,233 | $1,534 | $1,839 | $2,573 | +8.1% |
| FY 2027 | $1,452 | $1,461 | $1,858 | $2,214 | $3,106 | +21.1% |
Nearby counties
Questions people ask
$1,534 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,225 for a studio, $1,233 for one bedroom, $1,839 for three and $2,573 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 Divide actually go for?
HUD's number is one input. Search any address in Divide for a rent estimate built from nearby comps. 3 free searches, no card.
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