HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Spotsylvania County, Virginia (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Spotsylvania County is $2,438 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$2,438
+8.5% from FY 2026
Payment standard
$2,194–$2,682
90% to 110% of the FMR, two-bedroom
Income to afford
$97,520
a year, with rent at 30% of income
Rank in Virginia
7th of 133
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $2,111 | $1,900–$2,322 | $84,440 | $40.60/hr | +8.1% |
| 1 bedroom | $2,204 | $1,984–$2,424 | $88,160 | $42.38/hr | +9.4% |
| 2 bedroom | $2,438 | $2,194–$2,682 | $97,520 | $46.88/hr | +8.5% |
| 3 bedroom | $3,107 | $2,796–$3,418 | $124,280 | $59.75/hr | +9.6% |
| 4 bedroom | $3,658 | $3,292–$4,024 | $146,320 | $70.35/hr | +9.8% |
Five to eight 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 | $4,207 | $3,786–$4,628 |
| 6 bedroom Estimate | $4,755 | $4,280–$5,231 |
| 7 bedroom Estimate | $5,304 | $4,774–$5,834 |
| 8 bedroom Estimate | $5,853 | $5,268–$6,438 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Spotsylvania actually rent for?
Search any address in Spotsylvania for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Spotsylvania somewhere between $2,194 and $2,682. 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.
$2,438 a month is affordable, by HUD's 30% rule, on an income of roughly $97,520 a year. Put another way, $47 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$2,194 | Voucher pays at 100%$2,438 | Voucher pays at 110%$2,682 |
|---|---|---|---|---|
| $2,500 | $750 | $1,444 | $1,688 | $1,932 |
| $4,000 | $1,200 | $994 | $1,238 | $1,482 |
Rate history
The two-bedroom rate went up 9% from FY 2026 ($2,246) to FY 2027 ($2,438). Since FY 2020 it's up 43% in total, about 5.2% a year. The Virginia median moved up 1% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $1,457 | $1,500 | $1,707 | $2,215 | $2,707 | — |
| FY 2021 | $1,513 | $1,548 | $1,765 | $2,263 | $2,742 | +3.4% |
| FY 2022 | $1,539 | $1,567 | $1,785 | $2,260 | $2,713 | +1.1% |
| FY 2023 | $1,589 | $1,615 | $1,838 | $2,299 | $2,742 | +3.0% |
| FY 2024 | $1,772 | $1,803 | $2,045 | $2,544 | $3,015 | +11.3% |
| FY 2025 | $2,012 | $2,056 | $2,314 | $2,893 | $3,413 | +13.2% |
| FY 2026 | $1,953 | $2,015 | $2,246 | $2,835 | $3,332 | -2.9% |
| FY 2027In effect | $2,111 | $2,204 | $2,438 | $3,107 | $3,658 | +8.5% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Spotsylvania, that runs from $2,111 for a studio up to $3,658 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 Spotsylvania in with 18 other counties in the Washington-Arlington-Alexandria metro, Fairfax County, Montgomery County, Prince George's County among them, and every one of them gets $2,438 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 Virginia's 133 counties, Spotsylvania ranks 7th for two-bedroom FMR. That's about 93% above the state median of $1,262 and about 129% above the national median county at $1,063. About 146,603 people live here, 14th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,680 in 22551 (Spotsylvania) and $2,350 in 22412 (Fredericksburg), with the 7 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.
Counties sharing the Washington-Arlington-Alexandria metro rate
HUD sets one rate for the whole metro, so every county here carries the same $2,438 two-bedroom figure as Spotsylvania.
Fairfax County
1,147,837 people
$2,438
Montgomery County
MD · 1,065,949 people
$2,438
Prince George's County
MD · 959,754 people
$2,438
District of Columbia
DC · 681,294 people
$2,438
Prince William County
488,880 people
$2,438
Loudoun County
432,998 people
$2,438
Frederick County
MD · 287,048 people
$2,438
Arlington County
236,254 people
$2,438
Charles County
MD · 170,527 people
$2,438
Stafford County
163,466 people
$2,438
Alexandria city
156,976 people
$2,438
Fauquier County
74,577 people
$2,438
Nearby counties
Two-bedroom FMR, with how each compares to Spotsylvania.
Fredericksburg city
10 mi · 28,873 people
$2,438
same rate
Caroline County
17 mi · 32,098 people
$1,244
-49%
Stafford County
17 mi · 163,466 people
$2,438
same rate
Louisa County
23 mi · 39,980 people
$1,291
-47%
Orange County
25 mi · 37,822 people
$1,262
-48%
Culpeper County
27 mi · 54,397 people
$1,596
-35%
King George County
27 mi · 27,896 people
$1,520
-38%
Hanover County
31 mi · 112,879 people
$1,651
-32%
Questions people ask
$2,438 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $2,111 for a studio, $2,204 for one bedroom, $3,107 for three and $3,658 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Spotsylvania actually go for?
HUD's number is one input. Search any address in Spotsylvania for a rent estimate built from nearby comps. Free to start, no card.
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