HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Sequatchie County, Tennessee (FY 2026)
$1,390 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Sequatchie County, and it's the baseline every voucher in Sequatchie is measured against.
2 bedroom FMR
$1,390
FY 2026, utilities included
Payment standard range
$1,251 to $1,529
90% to 110% of FMR
Income to afford 2BR
$55,600
per year, at 30% of income
Rank in Tennessee
18th of 95
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Sequatchie moves to $1,340. That's down 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Sequatchie actually rent for?
Search any address in Sequatchie 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 | $1,211 | $1,090 to $1,332 | $48,440 | $23.29/hr | -1.6% |
| 1 bedroom | $1,263 | $1,137 to $1,389 | $50,520 | $24.29/hr | -1.6% |
| 2 bedroom | $1,390 | $1,251 to $1,529 | $55,600 | $26.73/hr | -2.5% |
| 3 bedroom | $1,734 | $1,561 to $1,907 | $69,360 | $33.35/hr | -3.5% |
| 4 bedroom | $1,853 | $1,668 to $2,038 | $74,120 | $35.63/hr | -4.6% |
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 | $2,131 | $1,918 to $2,344 |
| 6 bedroom Estimate | $2,409 | $2,168 to $2,650 |
| 7 bedroom Estimate | $2,687 | $2,418 to $2,956 |
| 8 bedroom Estimate | $2,965 | $2,669 to $3,262 |
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 Sequatchie, that runs from $1,211 for a studio up to $1,853 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Sequatchie in with 5 other counties in the Chattanooga metro, Hamilton County, Walker County, Catoosa County among them, and every one of them gets $1,390 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Tennessee's 95 counties, Sequatchie ranks 18th for two-bedroom FMR. That's about 43% above the state median of $975 and about 37% above the national median county at $1,018. About 16,065 people live here, 76th in the state.
Counties sharing the Chattanooga metro rate
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the one ZIP code it covers in Sequatchie, the two-bedroom rate is $1,080 across the board, so there's no ZIP-level story here.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 37327 | Dunlap | $1,080 | -22.3% |
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 Sequatchie somewhere between $1,251 and $1,529. 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.
$1,390 a month is affordable, by HUD's 30% rule, on an income of roughly $55,600 a year. Put another way, $27 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% ($1,251) | HAP at 100% ($1,390) | HAP at 110% ($1,529) |
|---|---|---|---|---|
| $2,500 | $750 | $501 | $640 | $779 |
| $4,000 | $1,200 | $51 | $190 | $329 |
Rate history
The two-bedroom rate went down 3% from FY 2025 ($1,426) to FY 2026 ($1,390). Since FY 2020 it's up 67% in total, about 8.9% a year. The Tennessee median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $599 | $686 | $832 | $1,081 | $1,305 | — |
| FY 2021 | $636 | $694 | $838 | $1,092 | $1,306 | +0.7% |
| FY 2022 | $721 | $742 | $883 | $1,148 | $1,380 | +5.4% |
| FY 2023 | $910 | $919 | $1,067 | $1,372 | $1,619 | +20.8% |
| FY 2024 | $1,068 | $1,085 | $1,232 | $1,569 | $1,784 | +15.5% |
| FY 2025 | $1,231 | $1,284 | $1,426 | $1,796 | $1,942 | +15.7% |
| FY 2026 | $1,211 | $1,263 | $1,390 | $1,734 | $1,853 | -2.5% |
| FY 2027 | $1,181 | $1,231 | $1,340 | $1,657 | $1,761 | -3.6% |
Nearby counties
Questions people ask
$1,390 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,211 for a studio, $1,263 for one bedroom, $1,734 for three and $1,853 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 Sequatchie actually go for?
HUD's number is one input. Search any address in Sequatchie for a rent estimate built from nearby comps. 3 free searches, no card.
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