Kootenai County, ID: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,5072-bedroom FMR, FY2027

$1,2901-bedroom FMR, FY2027

$82,80080% income limit, family of 4 (FY2026)

$108,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Kootenai County is $1,507 a month, down 2.6% from $1,547 in FY2026. Kootenai County belongs to the Coeur d'Alene, ID MSA FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Kootenai County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,272	$1,103	+15.3%	$1,145 – $1,399
1 bedroom	$1,290	$1,302	−0.9%	$1,161 – $1,419
2 bedrooms	$1,507	$1,547	−2.6%	$1,357 – $1,657
3 bedrooms	$2,087	$2,152	−3.0%	$1,879 – $2,295
4 bedrooms	$2,519	$2,595	−2.9%	$2,268 – $2,770

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Kootenai County that is typically $1,357 to $1,657 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$56,047median income of renter households

$1,492Median gross rent, all units

32%Rent-to-income ratio (median rent ÷ median renter income)

53%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $56,047 can afford about $1,401 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,507 is $106 (7.6%) more than that. To rent a two-bedroom at the FMR, a household needs $60,280 a year under the 30% rule, or $54,252 under the common landlord rule that income must be three times the rent.

Kootenai County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,492 ±$50
Median income of renter households	$56,047 ±$3,489
Renters paying 30% or more of income (cost-burdened)	53.1% ±3.9
Renters paying 50% or more (severely cost-burdened)	21.3% ±2.6
Renter households (where the share can be computed)	19,286

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$993	$1,492	+50.3%
Median renter household income	$39,554	$56,047	+41.7%
Renters paying 30%+ of income	48.3%	53.1%	+4.8 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,400 to $1,800 depending on the ZIP code.

All 16 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
83801	$1,210	$1,230	$1,460	$2,020	$2,430
83803	$1,000	$1,180	$1,400	$1,940	$2,340
83810	$1,090	$1,180	$1,400	$1,940	$2,340
83814	$1,290	$1,310	$1,530	$2,120	$2,560
83815	$1,370	$1,390	$1,620	$2,240	$2,710
83816	$1,270	$1,290	$1,510	$2,090	$2,520
83833	$1,000	$1,180	$1,400	$1,940	$2,340
83835	$1,520	$1,540	$1,800	$2,490	$3,010
83842	$1,000	$1,180	$1,400	$1,940	$2,340
83851	$1,000	$1,180	$1,400	$1,940	$2,340
83854	$1,250	$1,270	$1,480	$2,050	$2,470
83858	$1,180	$1,200	$1,400	$1,940	$2,340
83861	$1,000	$1,180	$1,400	$1,940	$2,340
83869	$1,000	$1,180	$1,400	$1,940	$2,340
83876	$1,000	$1,180	$1,400	$1,940	$2,340
83877	$1,270	$1,290	$1,510	$2,090	$2,520

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Kootenai County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $108,300 (FY2025: $97,500, +11.1%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$21,750 +9.8%	$24,850 +10.0%	$27,950 +4.9%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$36,150 +9.9%	$41,400 +10.0%	$46,550 +9.9%	$51,750 +10.0%	$55,850 +9.9%	$60,050 +10.0%	$64,150 +9.9%	$68,350 +10.0%
Low income (80%)	$58,000 +10.0%	$66,250 +10.0%	$74,550 +10.0%	$82,800 +10.0%	$89,450 +10.0%	$96,050 +10.0%	$102,700 +10.0%	$109,300 +10.0%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.