HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in St. Croix County, Wisconsin (FY 2027)
$1,734 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in St. Croix County, and it's the baseline every voucher in St. Croix is measured against.
Two-bedroom FMR
$1,734
+1.5% from FY 2026
Payment standard
$1,561–$1,907
90% to 110% of the FMR, two-bedroom
Income to afford
$69,360
a year, with rent at 30% of income
Rank in Wisconsin
2nd of 72
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 | $1,265 | $1,139–$1,392 | $50,600 | $24.33/hr | +1.9% |
| 1 bedroom | $1,427 | $1,284–$1,570 | $57,080 | $27.44/hr | +1.6% |
| 2 bedroom | $1,734 | $1,561–$1,907 | $69,360 | $33.35/hr | +1.5% |
| 3 bedroom | $2,264 | $2,038–$2,490 | $90,560 | $43.54/hr | +0.1% |
| 4 bedroom | $2,538 | $2,284–$2,792 | $101,520 | $48.81/hr | +0.3% |
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 | $2,919 | $2,627–$3,211 |
| 6 bedroom Estimate | $3,299 | $2,969–$3,629 |
| 7 bedroom Estimate | $3,680 | $3,312–$4,048 |
| 8 bedroom Estimate | $4,061 | $3,655–$4,467 |
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 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.
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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 St. Croix somewhere between $1,561 and $1,907. 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.
$1,734 a month is affordable, by HUD's 30% rule, on an income of roughly $69,360 a year. Put another way, $33 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%$1,561 | Voucher pays at 100%$1,734 | Voucher pays at 110%$1,907 |
|---|---|---|---|---|
| $2,500 | $750 | $811 | $984 | $1,157 |
| $4,000 | $1,200 | $361 | $534 | $707 |
Rate history
The two-bedroom rate went up 1% from FY 2026 ($1,709) to FY 2027 ($1,734). Since FY 2020 it's up 43% in total, about 5.2% a year. The Wisconsin median moved up 3% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $820 | $971 | $1,214 | $1,722 | $2,025 | — |
| FY 2021 | $898 | $1,054 | $1,308 | $1,838 | $2,156 | +7.7% |
| FY 2022 | $932 | $1,078 | $1,329 | $1,841 | $2,145 | +1.6% |
| FY 2023 | $1,007 | $1,149 | $1,410 | $1,916 | $2,209 | +6.1% |
| FY 2024 | $1,174 | $1,327 | $1,622 | $2,188 | $2,478 | +15.0% |
| FY 2025 | $1,220 | $1,381 | $1,685 | $2,244 | $2,513 | +3.9% |
| FY 2026 | $1,242 | $1,405 | $1,709 | $2,262 | $2,531 | +1.4% |
| FY 2027In effect | $1,265 | $1,427 | $1,734 | $2,264 | $2,538 | +1.5% |
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 St. Croix, that runs from $1,265 for a studio up to $2,538 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 St. Croix in with 12 other counties in the Minneapolis-St. Paul-Bloomington metro, Hennepin County, Ramsey County, Dakota County among them, and every one of them gets $1,734 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 Wisconsin's 72 counties, St. Croix ranks 2nd for two-bedroom FMR. That's about 67% above the state median of $1,041 and about 63% above the national median county at $1,063. About 96,033 people live here, 17th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,540 in 54002 (Baldwin) and $1,920 in 54023 (Roberts), with the 11 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 |
|---|---|---|---|
| 54002 | Baldwin | $1,540 | -11.2% |
| 54007 | Deer Park | $1,540 | -11.2% |
| 54013 | Glenwood City | $1,540 | -11.2% |
| 54015 | Hammond | $1,540 | -11.2% |
| 54016 | Hudson | $1,690 | -2.5% |
| 54017 | New Richmond | $1,540 | -11.2% |
| 54023 | Roberts | $1,920 | +10.7% |
| 54025 | Somerset | $1,540 | -11.2% |
| 54027 | Wilson | $1,540 | -11.2% |
| 54028 | Woodville | $1,540 | -11.2% |
| 54082 | Houlton | $1,570 | -9.5% |
Counties sharing the Minneapolis-St. Paul-Bloomington metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,734 two-bedroom figure as St. Croix.
Hennepin County
MN · 1,269,496 people
$1,734
Ramsey County
MN · 542,945 people
$1,734
Dakota County
MN · 445,771 people
$1,734
Anoka County
MN · 370,349 people
$1,734
Washington County
MN · 276,238 people
$1,734
Scott County
MN · 154,557 people
$1,734
Wright County
MN · 148,269 people
$1,734
Carver County
MN · 110,041 people
$1,734
Sherburne County
MN · 100,560 people
$1,734
Chisago County
MN · 57,991 people
$1,734
Isanti County
MN · 42,596 people
$1,734
Pierce County
42,584 people
$1,734
Nearby counties
Two-bedroom FMR, with how each compares to St. Croix.
Pierce County
22 mi · 42,584 people
$1,734
same rate
Polk County
27 mi · 45,555 people
$1,121
-35%
Dunn County
29 mi · 45,527 people
$1,042
-40%
Pepin County
38 mi · 7,431 people
$1,014
-42%
Barron County
41 mi · 46,797 people
$1,027
-41%
Burnett County
56 mi · 16,916 people
$1,028
-41%
Buffalo County
57 mi · 13,393 people
$1,019
-41%
Eau Claire County
58 mi · 107,116 people
$1,259
-27%
Questions people ask
$1,734 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,265 for a studio, $1,427 for one bedroom, $2,264 for three and $2,538 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 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. Free to start, no card.
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