HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Adams County, Pennsylvania (FY 2026)
A two-bedroom in Adams County carries a FY 2026 Fair Market Rent of $1,374 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Adams keys off that figure.
2 bedroom FMR
$1,374
FY 2026, utilities included
Payment standard range
$1,237 to $1,511
90% to 110% of FMR
Income to afford 2BR
$54,960
per year, at 30% of income
Rank in Pennsylvania
19th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Adams moves to $1,354. That's down 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Adams actually rent for?
Search any address in Adams 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 | $1,006 | $905 to $1,107 | $40,240 | $19.35/hr | +12.0% |
| 1 bedroom | $1,099 | $989 to $1,209 | $43,960 | $21.13/hr | +5.6% |
| 2 bedroom | $1,374 | $1,237 to $1,511 | $54,960 | $26.42/hr | +6.6% |
| 3 bedroom | $1,834 | $1,651 to $2,017 | $73,360 | $35.27/hr | +7.2% |
| 4 bedroom | $1,939 | $1,745 to $2,133 | $77,560 | $37.29/hr | +4.9% |
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 | $2,230 | $2,007 to $2,453 |
| 6 bedroom Estimate | $2,521 | $2,269 to $2,773 |
| 7 bedroom Estimate | $2,812 | $2,531 to $3,093 |
| 8 bedroom Estimate | $3,102 | $2,792 to $3,412 |
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 Adams, that runs from $1,006 for a studio up to $1,939 for four bedrooms, all five rates in the table above.
Adams is its own HUD metro area (Gettysburg, PA), so the rate here is set from rents inside the county rather than a wider region.
Among Pennsylvania's 67 counties, Adams ranks 19th for two-bedroom FMR. That's about 21% above the state median of $1,138 and about 35% above the national median county at $1,018. About 104,604 people live here, 31st in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,100 in 17324 (Gardners) and $1,740 in 17353 (Orrtanna), with the 18 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 |
|---|---|---|---|
| 17301 | Abbottstown | $1,430 | +4.1% |
| 17303 | Arendtsville | $1,170 | -14.8% |
| 17304 | Aspers | $1,530 | +11.4% |
| 17306 | Bendersville | $1,350 | -1.7% |
| 17307 | Biglerville | $1,130 | -17.8% |
| 17310 | Cashtown | $1,370 | -0.3% |
| 17316 | East Berlin | $1,210 | -11.9% |
| 17320 | Fairfield | $1,520 | +10.6% |
| 17324 | Gardners | $1,100 | -19.9% |
| 17325 | Gettysburg | $1,240 | -9.8% |
| 17337 | Idaville | $1,370 | -0.3% |
| 17340 | Littlestown | $1,470 | +7.0% |
| 17343 | Mc Knightstown | $1,240 | -9.8% |
| 17344 | Mc Sherrystown | $1,570 | +14.3% |
| 17350 | New Oxford | $1,520 | +10.6% |
| 17353 | Orrtanna | $1,740 | +26.6% |
| 17372 | York Springs | $1,370 | -0.3% |
| 17375 | Peach Glen | $1,370 | -0.3% |
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 Adams somewhere between $1,237 and $1,511. 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.
$1,374 a month is affordable, by HUD's 30% rule, on an income of roughly $54,960 a year. Put another way, $26 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% ($1,237) | HAP at 100% ($1,374) | HAP at 110% ($1,511) |
|---|---|---|---|---|
| $2,500 | $750 | $487 | $624 | $761 |
| $4,000 | $1,200 | $37 | $174 | $311 |
Rate history
The two-bedroom rate went up 7% from FY 2025 ($1,289) to FY 2026 ($1,374). Since FY 2020 it's up 51% in total, about 7.1% a year. The Pennsylvania median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $640 | $739 | $911 | $1,216 | $1,481 | — |
| FY 2021 | $696 | $802 | $974 | $1,314 | $1,574 | +6.9% |
| FY 2022 | $699 | $855 | $1,032 | $1,379 | $1,595 | +6.0% |
| FY 2023 | $747 | $917 | $1,117 | $1,483 | $1,677 | +8.2% |
| FY 2024 | $831 | $997 | $1,226 | $1,620 | $1,765 | +9.8% |
| FY 2025 | $898 | $1,041 | $1,289 | $1,711 | $1,849 | +5.1% |
| FY 2026 | $1,006 | $1,099 | $1,374 | $1,834 | $1,939 | +6.6% |
| FY 2027 | $1,047 | $1,063 | $1,354 | $1,830 | $1,957 | -1.5% |
Nearby counties
Cumberland County
$1,49321 mi · pop 261,269
Franklin County
$1,37925 mi · pop 156,084
York County
$1,33525 mi · pop 457,051
Perry County
$1,49335 mi · pop 45,941
Dauphin County
$1,49336 mi · pop 286,108
Fulton County
$97346 mi · pop 14,545
Juniata County
$97346 mi · pop 23,535
Lebanon County
$1,41150 mi · pop 143,258
Questions people ask
$1,374 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,006 for a studio, $1,099 for one bedroom, $1,834 for three and $1,939 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 Adams actually go for?
HUD's number is one input. Search any address in Adams for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.