Adams County, PA: 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).

$1,3542-bedroom FMR, FY2027

$1,0631-bedroom FMR, FY2027

$85,45080% income limit, family of 4 (FY2026)

$106,800Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Adams County is $1,354 a month, down 1.5% from $1,374 in FY2026. Adams County belongs to the Gettysburg, PA 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 Adams County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,047	$1,006	+4.1%	$943 – $1,151
1 bedroom	$1,063	$1,099	−3.3%	$957 – $1,169
2 bedrooms	$1,354	$1,374	−1.5%	$1,219 – $1,489
3 bedrooms	$1,830	$1,834	−0.2%	$1,647 – $2,013
4 bedrooms	$1,957	$1,939	+0.9%	$1,762 – $2,152

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 Adams County that is typically $1,219 to $1,489 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?

$49,481median income of renter households

$1,115Median gross rent, all units

27%Rent-to-income ratio (median rent ÷ median renter income)

44%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $49,481 can afford about $1,237 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,354 is $117 (9.5%) more than that. To rent a two-bedroom at the FMR, a household needs $54,160 a year under the 30% rule, or $48,744 under the common landlord rule that income must be three times the rent.

Adams County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,115 ±$39
Median income of renter households	$49,481 ±$3,334
Renters paying 30% or more of income (cost-burdened)	44.0% ±4.1
Renters paying 50% or more (severely cost-burdened)	19.9% ±3.3
Renter households (where the share can be computed)	7,854

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$922	$1,115	+20.9%
Median renter household income	$36,668	$49,481	+34.9%
Renters paying 30%+ of income	45.5%	44.0%	−1.5 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 $1,050 to $1,650 depending on the ZIP code.

All 21 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
17019	$870	$960	$1,220	$1,610	$1,690
17222	$920	$1,020	$1,270	$1,690	$1,820
17301	$1,080	$1,120	$1,430	$1,920	$2,040
17303	$910	$990	$1,240	$1,660	$1,750
17304	$1,140	$1,150	$1,470	$1,990	$2,120
17306	$1,040	$1,060	$1,350	$1,820	$1,950
17307	$810	$820	$1,050	$1,420	$1,520
17310	$1,040	$1,060	$1,350	$1,820	$1,950
17316	$910	$990	$1,240	$1,660	$1,750
17320	$1,130	$1,150	$1,460	$1,970	$2,110
17324	$850	$910	$1,140	$1,500	$1,560
17325	$950	$990	$1,240	$1,660	$1,780
17331	$1,000	$1,080	$1,370	$1,830	$1,930
17337	$1,040	$1,060	$1,350	$1,820	$1,950
17340	$1,110	$1,130	$1,440	$1,950	$2,080
17343	$910	$990	$1,240	$1,660	$1,750
17344	$1,280	$1,300	$1,650	$2,230	$2,390
17350	$1,160	$1,180	$1,500	$2,030	$2,170
17353	$1,150	$1,260	$1,570	$2,090	$2,220
17372	$1,050	$1,070	$1,360	$1,840	$1,970
17375	$1,040	$1,060	$1,350	$1,820	$1,950

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

HUD income limits for Adams County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $106,800 (FY2025: $102,400, +4.3%). 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%)	$22,450 +4.4%	$25,650 +4.3%	$28,850 +4.3%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$37,400 +4.3%	$42,750 +4.3%	$48,100 +4.3%	$53,400 +4.3%	$57,700 +4.3%	$61,950 +4.3%	$66,250 +4.3%	$70,500 +4.3%
Low income (80%)	$59,850 +4.4%	$68,400 +4.3%	$76,950 +4.3%	$85,450 +4.3%	$92,300 +4.3%	$99,150 +4.3%	$106,000 +4.3%	$112,800 +4.3%

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.