HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Deschutes County, Oregon (FY 2026)
A two-bedroom in Deschutes County carries a FY 2026 Fair Market Rent of $1,784 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Deschutes keys off that figure.
2 bedroom FMR
$1,784
FY 2026, utilities included
Payment standard range
$1,606 to $1,962
90% to 110% of FMR
Income to afford 2BR
$71,360
per year, at 30% of income
Rank in Oregon
7th of 36
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Deschutes moves to $1,893. That's up 6%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Deschutes actually rent for?
Search any address in Deschutes 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 | $1,362 | $1,226 to $1,498 | $54,480 | $26.19/hr | +6.0% |
| 1 bedroom | $1,371 | $1,234 to $1,508 | $54,840 | $26.37/hr | +4.0% |
| 2 bedroom | $1,784 | $1,606 to $1,962 | $71,360 | $34.31/hr | +7.0% |
| 3 bedroom | $2,481 | $2,233 to $2,729 | $99,240 | $47.71/hr | +6.2% |
| 4 bedroom | $2,993 | $2,694 to $3,292 | $119,720 | $57.56/hr | +6.9% |
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 | $3,442 | $3,098 to $3,786 |
| 6 bedroom Estimate | $3,891 | $3,502 to $4,280 |
| 7 bedroom Estimate | $4,340 | $3,906 to $4,774 |
| 8 bedroom Estimate | $4,789 | $4,310 to $5,268 |
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 Deschutes, that runs from $1,362 for a studio up to $2,993 for four bedrooms, all five rates in the table above.
Deschutes is its own HUD metro area (Bend-Redmond, OR), so the rate here is set from rents inside the county rather than a wider region.
Among Oregon's 36 counties, Deschutes ranks 7th for two-bedroom FMR. That's about 28% above the state median of $1,393 and about 75% above the national median county at $1,018. About 199,352 people live here, 7th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,510 in 97712 (Brothers) and $2,050 in 97707 (Bend), with the 11 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 Deschutes somewhere between $1,606 and $1,962. 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.
$1,784 a month is affordable, by HUD's 30% rule, on an income of roughly $71,360 a year. Put another way, $34 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% ($1,606) | HAP at 100% ($1,784) | HAP at 110% ($1,962) |
|---|---|---|---|---|
| $2,500 | $750 | $856 | $1,034 | $1,212 |
| $4,000 | $1,200 | $406 | $584 | $762 |
Rate history
The two-bedroom rate went up 7% from FY 2025 ($1,667) to FY 2026 ($1,784). Since FY 2020 it's up 49% in total, about 6.9% a year. The Oregon median moved up 11% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $838 | $986 | $1,197 | $1,727 | $2,102 | — |
| FY 2021 | $850 | $1,042 | $1,268 | $1,815 | $2,195 | +5.9% |
| FY 2022 | $866 | $1,048 | $1,303 | $1,851 | $2,230 | +2.8% |
| FY 2023 | $999 | $1,184 | $1,492 | $2,120 | $2,541 | +14.5% |
| FY 2024 | $1,117 | $1,283 | $1,623 | $2,287 | $2,754 | +8.8% |
| FY 2025 | $1,285 | $1,318 | $1,667 | $2,336 | $2,799 | +2.7% |
| FY 2026 | $1,362 | $1,371 | $1,784 | $2,481 | $2,993 | +7.0% |
| FY 2027 | $1,438 | $1,447 | $1,893 | $2,621 | $3,164 | +6.1% |
Nearby counties
Questions people ask
$1,784 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,362 for a studio, $1,371 for one bedroom, $2,481 for three and $2,993 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 Deschutes actually go for?
HUD's number is one input. Search any address in Deschutes for a rent estimate built from nearby comps. 3 free searches, no card.
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