HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Champaign County, Ohio (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Champaign County is $1,046 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,046
FY 2026, utilities included
Payment standard range
$941 to $1,151
90% to 110% of FMR
Income to afford 2BR
$41,840
per year, at 30% of income
Rank in Ohio
38th of 88
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Champaign moves to $1,047. That's unchanged. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Champaign actually rent for?
Search any address in Champaign 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 | $737 | $663 to $811 | $29,480 | $14.17/hr | +11.5% |
| 1 bedroom | $818 | $736 to $900 | $32,720 | $15.73/hr | +13.6% |
| 2 bedroom | $1,046 | $941 to $1,151 | $41,840 | $20.12/hr | +15.6% |
| 3 bedroom | $1,333 | $1,200 to $1,466 | $53,320 | $25.63/hr | +11.6% |
| 4 bedroom | $1,470 | $1,323 to $1,617 | $58,800 | $28.27/hr | +16.5% |
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 | $1,691 | $1,522 to $1,860 |
| 6 bedroom Estimate | $1,911 | $1,720 to $2,102 |
| 7 bedroom Estimate | $2,132 | $1,919 to $2,345 |
| 8 bedroom Estimate | $2,352 | $2,117 to $2,587 |
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 Champaign, that runs from $737 for a studio up to $1,470 for four bedrooms, all five rates in the table above.
Because Champaign 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, Cable included.
Among Ohio's 88 counties, Champaign ranks 38th for two-bedroom FMR. That's about 3% above the state median of $1,016 and about 3% above the national median county at $1,018. About 38,715 people live here, 63rd 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 43072 (Saint Paris) and $1,290 in 43009 (Cable), with the 9 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 Champaign somewhere between $941 and $1,151. 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.
$1,046 a month is affordable, by HUD's 30% rule, on an income of roughly $41,840 a year. Put another way, $20 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% ($941) | HAP at 100% ($1,046) | HAP at 110% ($1,151) |
|---|---|---|---|---|
| $2,500 | $750 | $191 | $296 | $401 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 16% from FY 2025 ($905) to FY 2026 ($1,046). Since FY 2020 it's up 49% in total, about 6.9% a year. The Ohio median moved up 9% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $556 | $559 | $702 | $998 | $1,190 | — |
| FY 2021 | $552 | $581 | $740 | $1,047 | $1,174 | +5.4% |
| FY 2022 | $556 | $579 | $750 | $1,041 | $1,144 | +1.4% |
| FY 2023 | $643 | $647 | $822 | $1,128 | $1,193 | +9.6% |
| FY 2024 | $676 | $694 | $879 | $1,170 | $1,262 | +6.9% |
| FY 2025 | $661 | $720 | $905 | $1,194 | $1,262 | +3.0% |
| FY 2026 | $737 | $818 | $1,046 | $1,333 | $1,470 | +15.6% |
| FY 2027 | $732 | $830 | $1,047 | $1,361 | $1,473 | +0.1% |
Nearby counties
Questions people ask
$1,046 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $737 for a studio, $818 for one bedroom, $1,333 for three and $1,470 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 Champaign actually go for?
HUD's number is one input. Search any address in Champaign for a rent estimate built from nearby comps. 3 free searches, no card.
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