HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Union County, Oregon (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Union County is $1,222 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,222
FY 2026, utilities included
Payment standard range
$1,100 to $1,344
90% to 110% of FMR
Income to afford 2BR
$48,880
per year, at 30% of income
Rank in Oregon
27th of 36
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Union moves to $1,114. That's down 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Union actually rent for?
Search any address in Union 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 | $843 | $759 to $927 | $33,720 | $16.21/hr | +11.8% |
| 1 bedroom | $980 | $882 to $1,078 | $39,200 | $18.85/hr | +14.1% |
| 2 bedroom | $1,222 | $1,100 to $1,344 | $48,880 | $23.50/hr | +11.1% |
| 3 bedroom | $1,700 | $1,530 to $1,870 | $68,000 | $32.69/hr | +10.3% |
| 4 bedroom | $2,050 | $1,845 to $2,255 | $82,000 | $39.42/hr | +11.0% |
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 | $2,358 | $2,122 to $2,594 |
| 6 bedroom Estimate | $2,665 | $2,399 to $2,932 |
| 7 bedroom Estimate | $2,973 | $2,676 to $3,270 |
| 8 bedroom Estimate | $3,280 | $2,952 to $3,608 |
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 Union, that runs from $843 for a studio up to $2,050 for four bedrooms, all five rates in the table above.
Because Union 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, Cove included.
Among Oregon's 36 counties, Union ranks 27th for two-bedroom FMR. That's about 12% below the state median of $1,393 and about 20% above the national median county at $1,018. About 26,286 people live here, 23rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $990 in 97867 (North Powder) and $1,500 in 97824 (Cove), with the 7 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 Union somewhere between $1,100 and $1,344. 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.
$1,222 a month is affordable, by HUD's 30% rule, on an income of roughly $48,880 a year. Put another way, $24 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% ($1,100) | HAP at 100% ($1,222) | HAP at 110% ($1,344) |
|---|---|---|---|---|
| $2,500 | $750 | $350 | $472 | $594 |
| $4,000 | $1,200 | $0 | $22 | $144 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($1,100) to FY 2026 ($1,222). Since FY 2020 it's up 44% in total, about 6.3% 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 | $553 | $644 | $848 | $1,223 | $1,421 | — |
| FY 2021 | $591 | $680 | $896 | $1,282 | $1,463 | +5.7% |
| FY 2022 | $618 | $707 | $930 | $1,321 | $1,506 | +3.8% |
| FY 2023 | $670 | $761 | $1,002 | $1,423 | $1,582 | +7.7% |
| FY 2024 | $718 | $807 | $1,060 | $1,494 | $1,706 | +5.8% |
| FY 2025 | $754 | $859 | $1,100 | $1,541 | $1,847 | +3.8% |
| FY 2026 | $843 | $980 | $1,222 | $1,700 | $2,050 | +11.1% |
| FY 2027 | $776 | $916 | $1,114 | $1,543 | $1,862 | -8.8% |
Nearby counties
Questions people ask
$1,222 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $843 for a studio, $980 for one bedroom, $1,700 for three and $2,050 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 Union actually go for?
HUD's number is one input. Search any address in Union for a rent estimate built from nearby comps. 3 free searches, no card.
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