HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Winnebago County, Wisconsin (FY 2026)
$1,149 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Winnebago County, and it's the baseline every voucher in Winnebago is measured against.
2 bedroom FMR
$1,149
FY 2026, utilities included
Payment standard range
$1,034 to $1,264
90% to 110% of FMR
Income to afford 2BR
$45,960
per year, at 30% of income
Rank in Wisconsin
24th of 72
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Winnebago moves to $1,195. 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 Winnebago actually rent for?
Search any address in Winnebago 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 | $875 | $788 to $963 | $35,000 | $16.83/hr | +10.6% |
| 1 bedroom | $889 | $800 to $978 | $35,560 | $17.10/hr | +9.5% |
| 2 bedroom | $1,149 | $1,034 to $1,264 | $45,960 | $22.10/hr | +8.9% |
| 3 bedroom | $1,543 | $1,389 to $1,697 | $61,720 | $29.67/hr | +9.4% |
| 4 bedroom | $1,651 | $1,486 to $1,816 | $66,040 | $31.75/hr | +4.4% |
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 | $1,899 | $1,709 to $2,089 |
| 6 bedroom Estimate | $2,146 | $1,931 to $2,361 |
| 7 bedroom Estimate | $2,394 | $2,155 to $2,633 |
| 8 bedroom Estimate | $2,642 | $2,378 to $2,906 |
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 Winnebago, that runs from $875 for a studio up to $1,651 for four bedrooms, all five rates in the table above.
Winnebago is its own HUD metro area (Oshkosh-Neenah, WI), so the rate here is set from rents inside the county rather than a wider region.
Among Wisconsin's 72 counties, Winnebago ranks 24th for two-bedroom FMR. That's about 14% above the state median of $1,010 and about 13% above the national median county at $1,018. About 171,197 people live here, 7th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,040 in 54902 (Oshkosh) and $1,340 in 54947 (Larsen), with the 14 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 |
|---|---|---|---|
| 54901 | Oshkosh | $1,150 | +0.1% |
| 54902 | Oshkosh | $1,040 | -9.5% |
| 54903 | Oshkosh | $1,150 | +0.1% |
| 54904 | Oshkosh | $1,140 | -0.8% |
| 54906 | Oshkosh | $1,149County rate | — |
| 54927 | Butte Des Morts | $1,110 | -3.4% |
| 54934 | Eureka | $1,149County rate | — |
| 54947 | Larsen | $1,340 | +16.6% |
| 54952 | Menasha | $1,150 | +0.1% |
| 54956 | Neenah | $1,310 | +14.0% |
| 54957 | Neenah | $1,150 | +0.1% |
| 54963 | Omro | $1,230 | +7.0% |
| 54964 | Pickett | $1,220 | +6.2% |
| 54980 | Waukau | $1,230 | +7.0% |
| 54985 | Winnebago | $1,150 | +0.1% |
| 54986 | Winneconne | $1,040 | -9.5% |
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 Winnebago somewhere between $1,034 and $1,264. 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.
$1,149 a month is affordable, by HUD's 30% rule, on an income of roughly $45,960 a year. Put another way, $22 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% ($1,034) | HAP at 100% ($1,149) | HAP at 110% ($1,264) |
|---|---|---|---|---|
| $2,500 | $750 | $284 | $399 | $514 |
| $4,000 | $1,200 | $0 | $0 | $64 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($1,055) to FY 2026 ($1,149). Since FY 2020 it's up 46% in total, about 6.5% a year. The Wisconsin median moved up 1% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $546 | $616 | $787 | $1,057 | $1,307 | — |
| FY 2021 | $529 | $591 | $759 | $1,025 | $1,246 | -3.6% |
| FY 2022 | $639 | $689 | $889 | $1,197 | $1,419 | +17.1% |
| FY 2023 | $712 | $739 | $954 | $1,289 | $1,502 | +7.3% |
| FY 2024 | $767 | $779 | $1,010 | $1,347 | $1,567 | +5.9% |
| FY 2025 | $791 | $812 | $1,055 | $1,411 | $1,582 | +4.5% |
| FY 2026 | $875 | $889 | $1,149 | $1,543 | $1,651 | +8.9% |
| FY 2027 | $909 | $936 | $1,195 | $1,609 | $1,646 | +4.0% |
Nearby counties
Fond du Lac County
$1,17621 mi · pop 104,027
Calumet County
$1,23622 mi · pop 52,361
Outagamie County
$1,23623 mi · pop 190,611
Green Lake County
$97330 mi · pop 19,093
Waupaca County
$97331 mi · pop 51,822
Waushara County
$97331 mi · pop 24,672
Brown County
$1,16441 mi · pop 268,393
Manitowoc County
$97342 mi · pop 81,242
Questions people ask
$1,149 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $875 for a studio, $889 for one bedroom, $1,543 for three and $1,651 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 Winnebago actually go for?
HUD's number is one input. Search any address in Winnebago for a rent estimate built from nearby comps. 3 free searches, no card.
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