HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in St. Croix, U.S. Virgin Islands (FY 2026)
A two-bedroom in St. Croix carries a FY 2026 Fair Market Rent of $1,249 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in St. Croix keys off that figure.
2 bedroom FMR
$1,249
FY 2026, utilities included
Payment standard range
$1,124 to $1,374
90% to 110% of FMR
Income to afford 2BR
$49,960
per year, at 30% of income
Rank in U.S. Virgin Islands
3rd of 3
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in St. Croix moves to $1,237. That's down 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in St. Croix actually rent for?
Search any address in St. Croix 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 | $1,002 | $902 to $1,102 | $40,080 | $19.27/hr | -10.0% |
| 1 bedroom | $1,023 | $921 to $1,125 | $40,920 | $19.67/hr | -9.9% |
| 2 bedroom | $1,249 | $1,124 to $1,374 | $49,960 | $24.02/hr | -9.9% |
| 3 bedroom | $1,504 | $1,354 to $1,654 | $60,160 | $28.92/hr | -10.0% |
| 4 bedroom | $1,656 | $1,490 to $1,822 | $66,240 | $31.85/hr | -10.0% |
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 | $1,904 | $1,714 to $2,094 |
| 6 bedroom Estimate | $2,153 | $1,938 to $2,368 |
| 7 bedroom Estimate | $2,401 | $2,161 to $2,641 |
| 8 bedroom Estimate | $2,650 | $2,385 to $2,915 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
HUD sets Fair Market Rent once a year, based on what typical units in the area actually rent for, with utilities folded in. FY 2026 runs October 1, 2025 through September 30, 2026, and in St. Croix the five published rates run from $1,002 to $1,656, studio through four bedrooms.
St. Croix is a nonmetro county, so HUD sets its FMR from rents in the county itself rather than a wider metro. The number applies county-wide.
The state median two-bedroom FMR is $1,467. St. Croix comes in at $1,249, about 15% below that, and ranks 3rd of 3 in U.S. Virgin Islands. Against the national median county ($1,018) it's about 23% above. Population is around 53,234.
What a voucher pays here
The FMR isn't the check you'd receive. Your local housing authority turns it into a payment standard, set between 90% and 110% of FMR, so a two-bedroom here lands between $1,124 and $1,374. Subtract about 30% of the tenant's income and that's the housing assistance payment. If you ask more than similar unassisted units rent for, the PHA's rent reasonableness check will push back.
At the standard 30% of income, a household needs about $49,960 a year to afford $1,249 a month. On a 40-hour week that's $24 an hour.
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% ($1,124) | HAP at 100% ($1,249) | HAP at 110% ($1,374) |
|---|---|---|---|---|
| $2,500 | $750 | $374 | $499 | $624 |
| $4,000 | $1,200 | $0 | $49 | $174 |
Rate history
The two-bedroom rate went down 10% from FY 2025 ($1,387) to FY 2026 ($1,249). Since FY 2020 it's up 26% in total, about 3.9% a year. The U.S. Virgin Islands median moved down 9% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $799 | $815 | $995 | $1,240 | $1,348 | — |
| FY 2021 | $835 | $852 | $1,040 | $1,294 | $1,410 | +4.5% |
| FY 2022 | $868 | $886 | $1,082 | $1,338 | $1,467 | +4.0% |
| FY 2023 | $935 | $954 | $1,165 | $1,418 | $1,565 | +7.7% |
| FY 2024 | $1,084 | $1,106 | $1,351 | $1,634 | $1,799 | +16.0% |
| FY 2025 | $1,113 | $1,136 | $1,387 | $1,671 | $1,839 | +2.7% |
| FY 2026 | $1,002 | $1,023 | $1,249 | $1,504 | $1,656 | -9.9% |
| FY 2027 | $1,029 | $1,035 | $1,237 | $1,497 | $1,626 | -1.0% |
Questions people ask
$1,249 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,002 for a studio, $1,023 for one bedroom, $1,504 for three and $1,656 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 St. Croix actually go for?
HUD's number is one input. Search any address in St. Croix for a rent estimate built from nearby comps. 3 free searches, no card.
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