HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Moca Municipio, Puerto Rico (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Moca Municipio is $564 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$564
FY 2026, utilities included
Payment standard range
$508 to $620
90% to 110% of FMR
Income to afford 2BR
$22,560
per year, at 30% of income
Rank in Puerto Rico
41st of 78
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Moca moves to $613. That's up 9%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Moca actually rent for?
Search any address in Moca 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 | $480 | $432 to $528 | $19,200 | $9.23/hr | -1.4% |
| 1 bedroom | $482 | $434 to $530 | $19,280 | $9.27/hr | -1.6% |
| 2 bedroom | $564 | $508 to $620 | $22,560 | $10.85/hr | +0.7% |
| 3 bedroom | $680 | $612 to $748 | $27,200 | $13.08/hr | -0.1% |
| 4 bedroom | $756 | $680 to $832 | $30,240 | $14.54/hr | -0.3% |
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 | $869 | $782 to $956 |
| 6 bedroom Estimate | $983 | $885 to $1,081 |
| 7 bedroom Estimate | $1,096 | $986 to $1,206 |
| 8 bedroom Estimate | $1,210 | $1,089 to $1,331 |
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 Moca, that runs from $480 for a studio up to $756 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 Moca in with 6 other municipios in the Aguadilla metro, Aguadilla Municipio, Isabela Municipio, San Sebastián Municipio among them, and every one of them gets $564 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, Moca ranks 41st for two-bedroom FMR. That's within a couple percent of the state median of $564 and about 45% below the national median county at $1,018. About 37,363 people live here, 28th in the state.
Counties sharing the Aguadilla 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 Moca somewhere between $508 and $620. 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.
$564 a month is affordable, by HUD's 30% rule, on an income of roughly $22,560 a year. Put another way, $11 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% ($508) | HAP at 100% ($564) | HAP at 110% ($620) |
|---|---|---|---|---|
| $2,500 | $750 | $0 | $0 | $0 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($560) to FY 2026 ($564). Since FY 2020 it's up 33% in total, about 4.9% 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 | $362 | $372 | $424 | $554 | $669 | — |
| FY 2021 | $381 | $393 | $448 | $571 | $684 | +5.7% |
| FY 2022 | $387 | $402 | $462 | $574 | $676 | +3.1% |
| FY 2023 | $384 | $420 | $485 | $597 | $677 | +5.0% |
| FY 2024 | $450 | $453 | $519 | $632 | $713 | +7.0% |
| FY 2025 | $487 | $490 | $560 | $681 | $758 | +7.9% |
| FY 2026 | $480 | $482 | $564 | $680 | $756 | +0.7% |
| FY 2027 | $504 | $507 | $613 | $731 | $820 | +8.7% |
Questions people ask
$564 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $480 for a studio, $482 for one bedroom, $680 for three and $756 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 Moca actually go for?
HUD's number is one input. Search any address in Moca for a rent estimate built from nearby comps. 3 free searches, no card.
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