HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Westmoreland County, Virginia (FY 2026)
A two-bedroom in Westmoreland County carries a FY 2026 Fair Market Rent of $1,194 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Westmoreland keys off that figure.
2 bedroom FMR
$1,194
FY 2026, utilities included
Payment standard range
$1,075 to $1,313
90% to 110% of FMR
Income to afford 2BR
$47,760
per year, at 30% of income
Rank in Virginia
74th of 133
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Westmoreland moves to $1,245. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Westmoreland actually rent for?
Search any address in Westmoreland 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 | $973 | $876 to $1,070 | $38,920 | $18.71/hr | +12.1% |
| 1 bedroom | $979 | $881 to $1,077 | $39,160 | $18.83/hr | +12.1% |
| 2 bedroom | $1,194 | $1,075 to $1,313 | $47,760 | $22.96/hr | +10.8% |
| 3 bedroom | $1,658 | $1,492 to $1,824 | $66,320 | $31.88/hr | +9.7% |
| 4 bedroom | $1,810 | $1,629 to $1,991 | $72,400 | $34.81/hr | +7.1% |
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 | $2,082 | $1,874 to $2,290 |
| 6 bedroom Estimate | $2,353 | $2,118 to $2,588 |
| 7 bedroom Estimate | $2,625 | $2,363 to $2,888 |
| 8 bedroom Estimate | $2,896 | $2,606 to $3,186 |
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 Westmoreland, that runs from $973 for a studio up to $1,810 for four bedrooms, all five rates in the table above.
Because Westmoreland 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, Coles Point included.
Among Virginia's 133 counties, Westmoreland ranks 74th for two-bedroom FMR. That's about 5% below the state median of $1,254 and about 17% above the national median county at $1,018. About 18,480 people live here, 82nd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,010 in 22488 (Kinsale) and $1,390 in 22443 (Colonial Beach), with the 10 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 Westmoreland somewhere between $1,075 and $1,313. 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.
$1,194 a month is affordable, by HUD's 30% rule, on an income of roughly $47,760 a year. Put another way, $23 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% ($1,075) | HAP at 100% ($1,194) | HAP at 110% ($1,313) |
|---|---|---|---|---|
| $2,500 | $750 | $325 | $444 | $563 |
| $4,000 | $1,200 | $0 | $0 | $113 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($1,078) to FY 2026 ($1,194). Since FY 2020 it's up 36% in total, about 5.3% a year. The Virginia median moved up 5% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $592 | $698 | $877 | $1,265 | $1,530 | — |
| FY 2021 | $589 | $663 | $874 | $1,251 | $1,513 | -0.3% |
| FY 2022 | $599 | $667 | $877 | $1,246 | $1,487 | +0.3% |
| FY 2023 | $719 | $737 | $970 | $1,379 | $1,623 | +10.6% |
| FY 2024 | $892 | $897 | $1,113 | $1,568 | $1,798 | +14.7% |
| FY 2025 | $868 | $873 | $1,078 | $1,511 | $1,690 | -3.1% |
| FY 2026 | $973 | $979 | $1,194 | $1,658 | $1,810 | +10.8% |
| FY 2027 | $945 | $952 | $1,245 | $1,678 | $1,995 | +4.3% |
Nearby counties
Richmond County
$1,15713 mi · pop 8,968
Essex County
$1,11316 mi · pop 10,602
Northumberland County
$1,30923 mi · pop 12,007
King George County
$1,46924 mi · pop 26,985
King and Queen County
$1,25029 mi · pop 6,681
Lancaster County
$1,05229 mi · pop 10,866
Caroline County
$1,24633 mi · pop 31,181
King William County
$1,65533 mi · pop 17,845
Questions people ask
$1,194 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $973 for a studio, $979 for one bedroom, $1,658 for three and $1,810 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 Westmoreland actually go for?
HUD's number is one input. Search any address in Westmoreland for a rent estimate built from nearby comps. 3 free searches, no card.
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