HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Whatcom County, Washington (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Whatcom County is $1,794 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,794
FY 2026, utilities included
Payment standard range
$1,615 to $1,973
90% to 110% of FMR
Income to afford 2BR
$71,760
per year, at 30% of income
Rank in Washington
8th of 39
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Whatcom moves to $1,872. 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 Whatcom actually rent for?
Search any address in Whatcom 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 | $1,463 | $1,317 to $1,609 | $58,520 | $28.13/hr | +8.5% |
| 1 bedroom | $1,493 | $1,344 to $1,642 | $59,720 | $28.71/hr | +8.1% |
| 2 bedroom | $1,794 | $1,615 to $1,973 | $71,760 | $34.50/hr | +9.3% |
| 3 bedroom | $2,495 | $2,246 to $2,745 | $99,800 | $47.98/hr | +8.4% |
| 4 bedroom | $3,010 | $2,709 to $3,311 | $120,400 | $57.88/hr | +9.2% |
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 | $3,462 | $3,116 to $3,808 |
| 6 bedroom Estimate | $3,913 | $3,522 to $4,304 |
| 7 bedroom Estimate | $4,365 | $3,929 to $4,802 |
| 8 bedroom Estimate | $4,816 | $4,334 to $5,298 |
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 Whatcom, that runs from $1,463 for a studio up to $3,010 for four bedrooms, all five rates in the table above.
Whatcom is its own HUD metro area (Bellingham, WA), so the rate here is set from rents inside the county rather than a wider region.
Among Washington's 39 counties, Whatcom ranks 8th for two-bedroom FMR. That's about 31% above the state median of $1,374 and about 76% above the national median county at $1,018. About 226,523 people live here, 9th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,480 in 98244 (Deming) and $1,980 in 98276 (Nooksack), with the 18 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 98220 | Acme | $1,580 | -11.9% |
| 98225 | Bellingham | $1,820 | +1.4% |
| 98226 | Bellingham | $1,760 | -1.9% |
| 98227 | Bellingham | $1,790 | -0.2% |
| 98228 | Bellingham | $1,790 | -0.2% |
| 98229 | Bellingham | $1,890 | +5.4% |
| 98230 | Blaine | $1,710 | -4.7% |
| 98231 | Blaine | $1,790 | -0.2% |
| 98240 | Custer | $1,750 | -2.5% |
| 98244 | Deming | $1,480 | -17.5% |
| 98247 | Everson | $1,770 | -1.3% |
| 98248 | Ferndale | $1,770 | -1.3% |
| 98262 | Lummi Island | $1,950 | +8.7% |
| 98264 | Lynden | $1,940 | +8.1% |
| 98266 | Maple Falls | $1,580 | -11.9% |
| 98276 | Nooksack | $1,980 | +10.4% |
| 98281 | Point Roberts | $1,480 | -17.5% |
| 98295 | Sumas | $1,540 | -14.2% |
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 Whatcom somewhere between $1,615 and $1,973. 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.
$1,794 a month is affordable, by HUD's 30% rule, on an income of roughly $71,760 a year. Put another way, $35 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% ($1,615) | HAP at 100% ($1,794) | HAP at 110% ($1,973) |
|---|---|---|---|---|
| $2,500 | $750 | $865 | $1,044 | $1,223 |
| $4,000 | $1,200 | $415 | $594 | $773 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($1,642) to FY 2026 ($1,794). Since FY 2020 it's up 53% in total, about 7.3% a year. The Washington median moved up 4% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $846 | $905 | $1,175 | $1,695 | $2,063 | — |
| FY 2021 | $907 | $972 | $1,245 | $1,782 | $2,156 | +6.0% |
| FY 2022 | $926 | $996 | $1,254 | $1,781 | $2,146 | +0.7% |
| FY 2023 | $1,039 | $1,101 | $1,355 | $1,926 | $2,308 | +8.1% |
| FY 2024 | $1,254 | $1,306 | $1,571 | $2,214 | $2,666 | +15.9% |
| FY 2025 | $1,348 | $1,381 | $1,642 | $2,301 | $2,757 | +4.5% |
| FY 2026 | $1,463 | $1,493 | $1,794 | $2,495 | $3,010 | +9.3% |
| FY 2027 | $1,489 | $1,529 | $1,872 | $2,545 | $3,129 | +4.3% |
Nearby counties
San Juan County
$1,76228 mi · pop 18,001
Skagit County
$1,72031 mi · pop 129,480
Island County
$1,67150 mi · pop 86,510
Jefferson County
$1,36765 mi · pop 33,006
Snohomish County
$2,50165 mi · pop 828,337
Kitsap County
$2,03185 mi · pop 275,411
Clallam County
$1,26687 mi · pop 77,333
King County
$2,50190 mi · pop 2,254,371
Questions people ask
$1,794 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,463 for a studio, $1,493 for one bedroom, $2,495 for three and $3,010 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 Whatcom actually go for?
HUD's number is one input. Search any address in Whatcom for a rent estimate built from nearby comps. 3 free searches, no card.
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