HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cambria County, Pennsylvania (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Cambria County is $1,035 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,035
FY 2026, utilities included
Payment standard range
$932 to $1,139
90% to 110% of FMR
Income to afford 2BR
$41,400
per year, at 30% of income
Rank in Pennsylvania
41st of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cambria moves to $1,014. That's down 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Cambria actually rent for?
Search any address in Cambria 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 | $840 | $756 to $924 | $33,600 | $16.15/hr | +12.1% |
| 1 bedroom | $846 | $761 to $931 | $33,840 | $16.27/hr | +12.2% |
| 2 bedroom | $1,035 | $932 to $1,139 | $41,400 | $19.90/hr | +10.7% |
| 3 bedroom | $1,431 | $1,288 to $1,574 | $57,240 | $27.52/hr | +13.5% |
| 4 bedroom | $1,484 | $1,336 to $1,632 | $59,360 | $28.54/hr | +7.9% |
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 | $1,707 | $1,536 to $1,878 |
| 6 bedroom Estimate | $1,929 | $1,736 to $2,122 |
| 7 bedroom Estimate | $2,152 | $1,937 to $2,367 |
| 8 bedroom Estimate | $2,374 | $2,137 to $2,611 |
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 Cambria, that runs from $840 for a studio up to $1,484 for four bedrooms, all five rates in the table above.
Cambria is its own HUD metro area (Johnstown, PA), so the rate here is set from rents inside the county rather than a wider region.
Among Pennsylvania's 67 counties, Cambria ranks 41st for two-bedroom FMR. That's about 9% below the state median of $1,138 and within a couple percent of the national median county at $1,018. About 133,263 people live here, 26th 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 15714 (Northern Cambria) and $1,550 in 15962 (Wilmore), with the 52 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 |
|---|---|---|---|
| 15714 | Northern Cambria | $970 | -6.3% |
| 15722 | Carrolltown | $970 | -6.3% |
| 15737 | Elmora | $970 | -6.3% |
| 15738 | Emeigh | $970 | -6.3% |
| 15760 | Marsteller | $1,060 | +2.4% |
| 15762 | Nicktown | $1,190 | +15.0% |
| 15773 | Saint Benedict | $970 | -6.3% |
| 15775 | Spangler | $1,030 | -0.5% |
| 15901 | Johnstown | $970 | -6.3% |
| 15902 | Johnstown | $1,020 | -1.4% |
| 15904 | Johnstown | $1,170 | +13.0% |
| 15905 | Johnstown | $1,140 | +10.1% |
| 15906 | Johnstown | $970 | -6.3% |
| 15907 | Johnstown | $1,040 | +0.5% |
| 15909 | Johnstown | $1,010 | -2.4% |
| 15915 | Johnstown | $1,040 | +0.5% |
| 15921 | Beaverdale | $1,030 | -0.5% |
| 15922 | Belsano | $1,080 | +4.3% |
| 15925 | Cassandra | $1,040 | +0.5% |
| 15927 | Colver | $1,080 | +4.3% |
| 15930 | Dunlo | $1,000 | -3.4% |
| 15931 | Ebensburg | $1,080 | +4.3% |
| 15934 | Elton | $1,040 | +0.5% |
| 15938 | Lilly | $1,050 | +1.4% |
| 15940 | Loretto | $1,110 | +7.2% |
| 15942 | Mineral Point | $1,150 | +11.1% |
| 15943 | Nanty Glo | $1,110 | +7.2% |
| 15945 | Parkhill | $1,010 | -2.4% |
| 15946 | Portage | $970 | -6.3% |
| 15948 | Revloc | $1,100 | +6.3% |
| 15951 | Saint Michael | $990 | -4.3% |
| 15952 | Salix | $1,040 | +0.5% |
| 15955 | Sidman | $1,030 | -0.5% |
| 15956 | South Fork | $970 | -6.3% |
| 15958 | Summerhill | $1,050 | +1.4% |
| 15960 | Twin Rocks | $1,100 | +6.3% |
| 15961 | Vintondale | $1,010 | -2.4% |
| 15962 | Wilmore | $1,550 | +49.8% |
| 16613 | Ashville | $1,270 | +22.7% |
| 16619 | Blandburg | $970 | -6.3% |
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 Cambria somewhere between $932 and $1,139. 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.
$1,035 a month is affordable, by HUD's 30% rule, on an income of roughly $41,400 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% ($932) | HAP at 100% ($1,035) | HAP at 110% ($1,139) |
|---|---|---|---|---|
| $2,500 | $750 | $182 | $285 | $389 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($935) to FY 2026 ($1,035). Since FY 2020 it's up 45% in total, about 6.4% 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 | $478 | $573 | $714 | $917 | $1,015 | — |
| FY 2021 | $524 | $572 | $724 | $923 | $1,041 | +1.4% |
| FY 2022 | $587 | $591 | $757 | $970 | $1,106 | +4.6% |
| FY 2023 | $637 | $641 | $821 | $1,055 | $1,197 | +8.5% |
| FY 2024 | $678 | $682 | $863 | $1,135 | $1,276 | +5.1% |
| FY 2025 | $749 | $754 | $935 | $1,261 | $1,375 | +8.3% |
| FY 2026 | $840 | $846 | $1,035 | $1,431 | $1,484 | +10.7% |
| FY 2027 | $832 | $837 | $1,014 | $1,404 | $1,429 | -2.0% |
Nearby counties
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Indiana County
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Bedford County
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Clearfield County
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Somerset County
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Huntingdon County
$97339 mi · pop 44,123
Jefferson County
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Westmoreland County
$1,29944 mi · pop 354,414
Questions people ask
$1,035 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $840 for a studio, $846 for one bedroom, $1,431 for three and $1,484 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 Cambria actually go for?
HUD's number is one input. Search any address in Cambria for a rent estimate built from nearby comps. 3 free searches, no card.
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