Cambria 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).

$1,0142-bedroom FMR, FY2027

$8371-bedroom FMR, FY2027

$68,95080% income limit, family of 4 (FY2026)

$84,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Cambria County is $1,014 a month, down 2.0% from $1,035 in FY2026. Cambria County belongs to the Johnstown, 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 Cambria County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$832	$840	−1.0%	$749 – $915
1 bedroom	$837	$846	−1.1%	$754 – $920
2 bedrooms	$1,014	$1,035	−2.0%	$913 – $1,115
3 bedrooms	$1,404	$1,431	−1.9%	$1,264 – $1,544
4 bedrooms	$1,429	$1,484	−3.7%	$1,287 – $1,571

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 Cambria County that is typically $913 to $1,115 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?

$30,368median income of renter households

$739Median gross rent, all units

29%Rent-to-income ratio (median rent ÷ median renter income)

43%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $30,368 can afford about $759 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,014 is $255 (33.6%) more than that. To rent a two-bedroom at the FMR, a household needs $40,560 a year under the 30% rule, or $36,504 under the common landlord rule that income must be three times the rent.

Cambria County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$739 ±$19
Median income of renter households	$30,368 ±$2,955
Renters paying 30% or more of income (cost-burdened)	42.5% ±3.4
Renters paying 50% or more (severely cost-burdened)	21.6% ±2.8
Renter households (where the share can be computed)	11,503

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$634	$739	+16.6%
Median renter household income	$24,104	$30,368	+26.0%
Renters paying 30%+ of income	46.1%	42.5%	−3.6 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 $1,520 depending on the ZIP code.

All 57 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
15714	$820	$840	$1,010	$1,410	$1,450
15722	$830	$840	$1,010	$1,410	$1,440
15724	$760	$850	$1,010	$1,400	$1,500
15737	$830	$840	$1,010	$1,410	$1,440
15738	$820	$840	$1,010	$1,410	$1,450
15760	$920	$930	$1,120	$1,560	$1,590
15762	$1,070	$1,070	$1,300	$1,800	$1,830
15773	$830	$840	$1,010	$1,410	$1,440
15775	$890	$900	$1,090	$1,500	$1,540
15901	$830	$840	$1,010	$1,410	$1,440
15902	$830	$840	$1,010	$1,410	$1,440
15904	$920	$920	$1,120	$1,550	$1,580
15905	$900	$920	$1,110	$1,540	$1,580
15906	$830	$840	$1,010	$1,410	$1,440
15907	$830	$840	$1,010	$1,410	$1,440
15909	$840	$850	$1,030	$1,430	$1,450
15915	$830	$840	$1,010	$1,410	$1,440
15921	$840	$840	$1,020	$1,410	$1,440
15922	$860	$870	$1,050	$1,450	$1,480
15925	$850	$860	$1,030	$1,430	$1,460
15927	$860	$870	$1,050	$1,450	$1,480
15930	$800	$850	$1,010	$1,390	$1,500
15931	$860	$870	$1,050	$1,450	$1,480
15934	$810	$870	$1,040	$1,410	$1,540
15938	$860	$870	$1,050	$1,450	$1,480
15940	$830	$840	$1,010	$1,410	$1,440
15942	$1,000	$1,010	$1,220	$1,690	$1,720
15943	$890	$890	$1,080	$1,500	$1,520
15945	$840	$850	$1,030	$1,430	$1,450
15946	$830	$860	$1,030	$1,410	$1,540
15948	$880	$880	$1,070	$1,480	$1,500
15951	$930	$940	$1,140	$1,580	$1,610
15952	$850	$880	$1,060	$1,450	$1,530
15955	$840	$840	$1,020	$1,410	$1,440
15956	$830	$840	$1,010	$1,410	$1,440
15957	$850	$890	$1,070	$1,480	$1,540
15958	$850	$860	$1,040	$1,440	$1,470
15960	$880	$880	$1,070	$1,490	$1,510
15961	$810	$870	$1,040	$1,430	$1,500
15962	$1,250	$1,250	$1,520	$2,100	$2,140
15963	$770	$850	$1,010	$1,370	$1,540
16601	$790	$940	$1,130	$1,450	$1,680
16613	$910	$980	$1,180	$1,590	$1,700
16619	$820	$830	$1,010	$1,410	$1,430
16624	$830	$840	$1,010	$1,410	$1,440
16627	$820	$900	$1,130	$1,490	$1,490
16629	$830	$840	$1,010	$1,410	$1,440
16630	$830	$840	$1,010	$1,410	$1,440
16636	$1,080	$1,140	$1,380	$1,860	$2,000
16639	$820	$830	$1,010	$1,410	$1,430
16640	$980	$990	$1,200	$1,660	$1,720
16641	$840	$860	$1,030	$1,420	$1,540
16644	$830	$840	$1,010	$1,410	$1,440
16646	$830	$840	$1,010	$1,410	$1,440
16668	$830	$840	$1,010	$1,410	$1,440
16675	$830	$840	$1,010	$1,410	$1,440
16699	$830	$840	$1,010	$1,410	$1,440

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

HUD income limits for Cambria County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $84,500 (FY2025: $85,000, −0.6%). 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%)	$18,100 +2.0%	$21,640 +2.3%	$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%)	$30,200 +2.2%	$34,500 +2.1%	$38,800 +2.1%	$43,100 +2.1%	$46,550 +2.1%	$50,000 +2.1%	$53,450 +2.1%	$56,900 +2.1%
Low income (80%)	$48,300 +2.2%	$55,200 +2.2%	$62,100 +2.2%	$68,950 +2.1%	$74,500 +2.2%	$80,000 +2.2%	$85,500 +2.2%	$91,050 +2.2%

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.