HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Ceiba Municipio, Puerto Rico (FY 2026)
A two-bedroom in Ceiba Municipio carries a FY 2026 Fair Market Rent of $600 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Ceiba keys off that figure.
2 bedroom FMR
$600
FY 2026, utilities included
Payment standard range
$540 to $660
90% to 110% of FMR
Income to afford 2BR
$24,000
per year, at 30% of income
Rank in Puerto Rico
29th of 78
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Ceiba moves to $639. That's up 7%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Ceiba actually rent for?
Search any address in Ceiba 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 | $487 | $438 to $536 | $19,480 | $9.37/hr | -3.2% |
| 1 bedroom | $490 | $441 to $539 | $19,600 | $9.42/hr | -3.2% |
| 2 bedroom | $600 | $540 to $660 | $24,000 | $11.54/hr | +1.9% |
| 3 bedroom | $736 | $662 to $810 | $29,440 | $14.15/hr | -0.5% |
| 4 bedroom | $799 | $719 to $879 | $31,960 | $15.37/hr | -3.5% |
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 | $919 | $827 to $1,011 |
| 6 bedroom Estimate | $1,039 | $935 to $1,143 |
| 7 bedroom Estimate | $1,159 | $1,043 to $1,275 |
| 8 bedroom Estimate | $1,278 | $1,150 to $1,406 |
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 Ceiba, that runs from $487 for a studio up to $799 for four bedrooms, all five rates in the table above.
This is a metro rate. The municipio doesn't get one of its own. HUD lumps Ceiba in with 2 other municipios in the Fajardo metro, Fajardo Municipio, Luquillo Municipio among them, and every one of them gets $600 for a two-bedroom. Where you are inside the metro doesn't change the municipio number. It does change the ZIP number, covered below.
Among Puerto Rico's 78 counties, Ceiba ranks 29th for two-bedroom FMR. That's about 6% above the state median of $564 and about 41% below the national median county at $1,018. About 11,256 people live here, 73rd in the state.
Counties sharing the Fajardo metro rate
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 Ceiba somewhere between $540 and $660. 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.
$600 a month is affordable, by HUD's 30% rule, on an income of roughly $24,000 a year. Put another way, $12 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% ($540) | HAP at 100% ($600) | HAP at 110% ($660) |
|---|---|---|---|---|
| $2,500 | $750 | $0 | $0 | $0 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 2% from FY 2025 ($589) to FY 2026 ($600). Since FY 2020 it's up 19% in total, about 3.0% a year. The Puerto Rico median moved down 2% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $403 | $421 | $503 | $669 | $786 | — |
| FY 2021 | $396 | $434 | $495 | $679 | $803 | -1.6% |
| FY 2022 | $438 | $446 | $508 | $699 | $836 | +2.6% |
| FY 2023 | $475 | $486 | $549 | $739 | $875 | +8.1% |
| FY 2024 | $534 | $549 | $616 | $800 | $919 | +12.2% |
| FY 2025 | $503 | $506 | $589 | $740 | $828 | -4.4% |
| FY 2026 | $487 | $490 | $600 | $736 | $799 | +1.9% |
| FY 2027 | $495 | $498 | $639 | $782 | $843 | +6.5% |
Questions people ask
$600 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $487 for a studio, $490 for one bedroom, $736 for three and $799 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 Ceiba actually go for?
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