Whitley County, IN: 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).

$1,2482-bedroom FMR, FY2027

$1,0261-bedroom FMR, FY2027

$76,10080% income limit, family of 4 (FY2026)

$95,100Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Whitley County is $1,248 a month, up 12.1% from $1,113 in FY2026. Whitley County belongs to the Fort Wayne, IN HUD Metro FMR Area 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 Whitley County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,025	$892	+14.9%	$923 – $1,127
1 bedroom	$1,026	$916	+12.0%	$924 – $1,128
2 bedrooms	$1,248	$1,113	+12.1%	$1,124 – $1,372
3 bedrooms	$1,534	$1,381	+11.1%	$1,381 – $1,687
4 bedrooms	$1,679	$1,512	+11.0%	$1,512 – $1,846

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 Whitley County that is typically $1,124 to $1,372 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?

$44,826median income of renter households

$934Median gross rent, all units

25%Rent-to-income ratio (median rent ÷ median renter income)

41%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $44,826 can afford about $1,121 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,248 is $127 (11.4%) more than that. To rent a two-bedroom at the FMR, a household needs $49,920 a year under the 30% rule, or $44,928 under the common landlord rule that income must be three times the rent.

Whitley County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$934 ±$41
Median income of renter households	$44,826 ±$6,156
Renters paying 30% or more of income (cost-burdened)	40.8% ±7.5
Renters paying 50% or more (severely cost-burdened)	17.2% ±5.2
Renter households (where the share can be computed)	2,207

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$722	$934	+29.4%
Median renter household income	$37,125	$44,826	+20.7%
Renters paying 30%+ of income	39.4%	40.8%	+1.4 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 $1,010 to $1,870 depending on the ZIP code.

All 63 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
46562	$780	$780	$1,010	$1,230	$1,350
46704	$1,290	$1,290	$1,570	$1,930	$2,110
46706	$780	$830	$1,040	$1,290	$1,370
46723	$820	$830	$1,010	$1,240	$1,420
46725	$980	$980	$1,200	$1,470	$1,620
46733	$760	$940	$1,020	$1,290	$1,420
46741	$1,360	$1,360	$1,650	$2,030	$2,220
46743	$1,020	$1,020	$1,240	$1,520	$1,670
46745	$840	$910	$1,060	$1,320	$1,450
46748	$1,200	$1,240	$1,510	$1,870	$2,050
46750	$760	$780	$1,010	$1,320	$1,640
46764	$1,120	$1,120	$1,380	$1,690	$1,920
46765	$1,190	$1,210	$1,480	$1,820	$1,980
46773	$880	$890	$1,080	$1,330	$1,450
46774	$1,010	$1,010	$1,230	$1,510	$1,650
46777	$900	$910	$1,190	$1,450	$1,660
46783	$840	$850	$1,060	$1,340	$1,560
46787	$830	$830	$1,020	$1,250	$1,370
46788	$1,030	$1,050	$1,290	$1,590	$1,730
46797	$1,040	$1,040	$1,260	$1,550	$1,700
46798	$1,190	$1,190	$1,450	$1,780	$1,950
46799	$890	$900	$1,150	$1,410	$1,620
46802	$950	$950	$1,160	$1,430	$1,560
46803	$940	$950	$1,150	$1,410	$1,550
46804	$1,160	$1,160	$1,410	$1,730	$1,900
46805	$920	$920	$1,120	$1,380	$1,510
46806	$900	$900	$1,100	$1,350	$1,480
46807	$1,010	$1,010	$1,230	$1,510	$1,650
46808	$960	$960	$1,170	$1,440	$1,570
46809	$850	$860	$1,040	$1,280	$1,400
46814	$1,540	$1,540	$1,870	$2,300	$2,520
46815	$990	$990	$1,210	$1,490	$1,630
46816	$900	$900	$1,090	$1,340	$1,470
46818	$1,290	$1,290	$1,570	$1,930	$2,110
46819	$980	$980	$1,190	$1,460	$1,600
46825	$1,170	$1,180	$1,430	$1,760	$1,920
46835	$1,160	$1,160	$1,410	$1,730	$1,900
46845	$1,430	$1,430	$1,740	$2,140	$2,340
46850	$1,030	$1,030	$1,250	$1,540	$1,680
46851	$1,030	$1,030	$1,250	$1,540	$1,680
46852	$1,030	$1,030	$1,250	$1,540	$1,680
46853	$1,030	$1,030	$1,250	$1,540	$1,680
46854	$1,030	$1,030	$1,250	$1,540	$1,680
46855	$1,030	$1,030	$1,250	$1,540	$1,680
46856	$1,030	$1,030	$1,250	$1,540	$1,680
46857	$1,030	$1,030	$1,250	$1,540	$1,680
46858	$1,030	$1,030	$1,250	$1,540	$1,680
46859	$1,030	$1,030	$1,250	$1,540	$1,680
46860	$1,030	$1,030	$1,250	$1,540	$1,680
46861	$1,030	$1,030	$1,250	$1,540	$1,680
46862	$1,030	$1,030	$1,250	$1,540	$1,680
46863	$1,030	$1,030	$1,250	$1,540	$1,680
46864	$1,030	$1,030	$1,250	$1,540	$1,680
46865	$1,030	$1,030	$1,250	$1,540	$1,680
46866	$1,030	$1,030	$1,250	$1,540	$1,680
46867	$1,030	$1,030	$1,250	$1,540	$1,680
46868	$1,030	$1,030	$1,250	$1,540	$1,680
46869	$1,030	$1,030	$1,250	$1,540	$1,680
46885	$1,030	$1,030	$1,250	$1,540	$1,680
46895	$1,030	$1,030	$1,250	$1,540	$1,680
46898	$1,030	$1,030	$1,250	$1,540	$1,680
46899	$1,030	$1,030	$1,250	$1,540	$1,680
46962	$760	$780	$1,010	$1,210	$1,360

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

HUD income limits for Whitley County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $95,100 (FY2025: $90,000, +5.7%). 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%)	$20,000 +5.8%	$22,850 +5.8%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$33,300 +5.7%	$38,050 +5.7%	$42,800 +5.7%	$47,550 +5.7%	$51,400 +5.8%	$55,200 +5.7%	$59,000 +5.7%	$62,800 +5.7%
Low income (80%)	$53,300 +5.8%	$60,900 +5.7%	$68,500 +5.7%	$76,100 +5.7%	$82,200 +5.7%	$88,300 +5.7%	$94,400 +5.7%	$100,500 +5.7%

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.