HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Cherokee County, Texas (FY 2026)
A two-bedroom in Cherokee County carries a FY 2026 Fair Market Rent of $984 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Cherokee keys off that figure.
2 bedroom FMR
$984
FY 2026, utilities included
Payment standard range
$886 to $1,082
90% to 110% of FMR
Income to afford 2BR
$39,360
per year, at 30% of income
Rank in Texas
182nd of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Cherokee moves to $1,062. That's up 8%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Cherokee actually rent for?
Search any address in Cherokee 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 | $751 | $676 to $826 | $30,040 | $14.44/hr | +10.9% |
| 1 bedroom | $756 | $680 to $832 | $30,240 | $14.54/hr | +6.2% |
| 2 bedroom | $984 | $886 to $1,082 | $39,360 | $18.92/hr | +5.4% |
| 3 bedroom | $1,362 | $1,226 to $1,498 | $54,480 | $26.19/hr | +4.0% |
| 4 bedroom | $1,448 | $1,303 to $1,593 | $57,920 | $27.85/hr | +3.7% |
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 | $1,665 | $1,499 to $1,832 |
| 6 bedroom Estimate | $1,882 | $1,694 to $2,070 |
| 7 bedroom Estimate | $2,100 | $1,890 to $2,310 |
| 8 bedroom Estimate | $2,317 | $2,085 to $2,549 |
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 Cherokee, that runs from $751 for a studio up to $1,448 for four bedrooms, all five rates in the table above.
Because Cherokee 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, Cuney included.
Among Texas's 254 counties, Cherokee ranks 182nd for two-bedroom FMR. That's about 7% below the state median of $1,054 and about 3% below the national median county at $1,018. About 50,824 people live here, 66th 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 75764 (Gallatin) and $1,110 in 75759 (Cuney), with the 8 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.
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 Cherokee somewhere between $886 and $1,082. 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.
$984 a month is affordable, by HUD's 30% rule, on an income of roughly $39,360 a year. Put another way, $19 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% ($886) | HAP at 100% ($984) | HAP at 110% ($1,082) |
|---|---|---|---|---|
| $2,500 | $750 | $136 | $234 | $332 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 5% from FY 2025 ($934) to FY 2026 ($984). Since FY 2020 it's up 37% in total, about 5.4% a year. The Texas median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $532 | $545 | $718 | $966 | $973 | — |
| FY 2021 | $491 | $577 | $744 | $1,005 | $1,009 | +3.6% |
| FY 2022 | $514 | $591 | $773 | $1,044 | $1,048 | +3.9% |
| FY 2023 | $570 | $647 | $852 | $1,211 | $1,253 | +10.2% |
| FY 2024 | $654 | $734 | $965 | $1,360 | $1,434 | +13.3% |
| FY 2025 | $677 | $712 | $934 | $1,309 | $1,397 | -3.2% |
| FY 2026 | $751 | $756 | $984 | $1,362 | $1,448 | +5.4% |
| FY 2027 | $807 | $812 | $1,062 | $1,351 | $1,530 | +7.9% |
Nearby counties
Rusk County
$1,17530 mi · pop 52,755
Anderson County
$1,11733 mi · pop 58,077
Nacogdoches County
$1,06734 mi · pop 64,768
Houston County
$97836 mi · pop 22,107
Smith County
$1,33836 mi · pop 234,667
Angelina County
$1,02146 mi · pop 86,608
Henderson County
$1,00948 mi · pop 82,627
Trinity County
$1,01049 mi · pop 13,735
Questions people ask
$984 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $751 for a studio, $756 for one bedroom, $1,362 for three and $1,448 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 Cherokee actually go for?
HUD's number is one input. Search any address in Cherokee for a rent estimate built from nearby comps. 3 free searches, no card.
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