HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Bedford County, Pennsylvania (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Bedford County is $1,014 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$1,014
+4.2% from FY 2026
Payment standard
$913–$1,115
90% to 110% of the FMR, two-bedroom
Income to afford
$40,560
a year, with rent at 30% of income
Rank in Pennsylvania
46th of 67
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $737 | $663–$811 | $29,480 | $14.17/hr | +8.9% |
| 1 bedroom | $780 | $702–$858 | $31,200 | $15.00/hr | +5.1% |
| 2 bedroom | $1,014 | $913–$1,115 | $40,560 | $19.50/hr | +4.2% |
| 3 bedroom | $1,286 | $1,157–$1,415 | $51,440 | $24.73/hr | +4.9% |
| 4 bedroom | $1,526 | $1,373–$1,679 | $61,040 | $29.35/hr | +3.4% |
Five to eight 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 | $1,755 | $1,580–$1,931 |
| 6 bedroom Estimate | $1,984 | $1,786–$2,182 |
| 7 bedroom Estimate | $2,213 | $1,992–$2,434 |
| 8 bedroom Estimate | $2,442 | $2,198–$2,686 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Bedford actually rent for?
Search any address in Bedford for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Bedford somewhere between $913 and $1,115. 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.
$1,014 a month is affordable, by HUD's 30% rule, on an income of roughly $40,560 a year. Put another way, $20 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$913 | Voucher pays at 100%$1,014 | Voucher pays at 110%$1,115 |
|---|---|---|---|---|
| $2,500 | $750 | $163 | $264 | $365 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2026 ($973) to FY 2027 ($1,014). Since FY 2020 it's up 42% in total, about 5.1% a year. The Pennsylvania median held flat over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $571 | $602 | $714 | $907 | $999 | — |
| FY 2021 | $571 | $592 | $724 | $934 | $1,034 | +1.4% |
| FY 2022 | $589 | $607 | $757 | $984 | $1,093 | +4.6% |
| FY 2023 | $635 | $639 | $821 | $1,056 | $1,200 | +8.5% |
| FY 2024 | $608 | $643 | $845 | $1,071 | $1,253 | +2.9% |
| FY 2025 | $639 | $692 | $908 | $1,156 | $1,393 | +7.5% |
| FY 2026 | $677 | $742 | $973 | $1,226 | $1,476 | +7.2% |
| FY 2027In effect | $737 | $780 | $1,014 | $1,286 | $1,526 | +4.2% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Bedford, that runs from $737 for a studio up to $1,526 for four bedrooms, all five rates in the table above.
Because Bedford 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, Alum Bank included.
Among Pennsylvania's 67 counties, Bedford ranks 46th for two-bedroom FMR. That's about 11% below the state median of $1,136 and about 5% below the national median county at $1,063. About 47,513 people live here, 45th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,010 in 15534 (Buffalo Mills) and $1,450 in 15539 (Fishertown), with the 24 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 |
|---|---|---|---|
| 15521 | Alum Bank | $1,230 | +21.3% |
| 15522 | Bedford | $1,040 | +2.6% |
| 15533 | Breezewood | $1,070 | +5.5% |
| 15534 | Buffalo Mills | $1,010 | -0.4% |
| 15535 | Clearville | $1,140 | +12.4% |
| 15537 | Everett | $1,010 | -0.4% |
| 15539 | Fishertown | $1,450 | +43.0% |
| 15545 | Hyndman | $1,010 | -0.4% |
| 15550 | Manns Choice | $1,010 | -0.4% |
| 15554 | New Paris | $1,260 | +24.3% |
| 15559 | Schellsburg | $1,450 | +43.0% |
| 16633 | Defiance | $1,150 | +13.4% |
| 16650 | Hopewell | $1,160 | +14.4% |
| 16655 | Imler | $1,030 | +1.6% |
| 16659 | Loysburg | $1,010 | -0.4% |
| 16664 | New Enterprise | $1,090 | +7.5% |
| 16667 | Osterburg | $1,170 | +15.4% |
| 16670 | Queen | $1,140 | +12.4% |
| 16672 | Riddlesburg | $1,020 | +0.6% |
| 16678 | Saxton | $1,010 | -0.4% |
| 16679 | Six Mile Run | $1,150 | +13.4% |
| 16694 | Wood | $1,040 | +2.6% |
| 16695 | Woodbury | $1,170 | +15.4% |
| 17211 | Artemas | $1,120 | +10.5% |
Nearby counties
Two-bedroom FMR, with how each compares to Bedford.
Fulton County
21 mi · 14,531 people
$1,014
same rate
Blair County
24 mi · 121,277 people
$1,151
+14%
Huntingdon County
29 mi · 43,653 people
$1,014
same rate
Cambria County
32 mi · 131,538 people
$1,014
same rate
Somerset County
32 mi · 72,799 people
$1,014
same rate
Franklin County
42 mi · 157,379 people
$1,325
+31%
Indiana County
52 mi · 83,042 people
$1,014
same rate
Mifflin County
53 mi · 46,041 people
$1,014
same rate
Questions people ask
$1,014 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $737 for a studio, $780 for one bedroom, $1,286 for three and $1,526 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Bedford actually go for?
HUD's number is one input. Search any address in Bedford for a rent estimate built from nearby comps. Free to start, no card.
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