Rappahannock County, VA: 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).

$1,5552-bedroom FMR, FY2027

$1,4281-bedroom FMR, FY2027

$82,35080% income limit, family of 4 (FY2026)

$92,200Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Rappahannock County is $1,555 a month, up 13.1% from $1,375 in FY2026. Rappahannock County belongs to the Rappahannock County, VA 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 Rappahannock County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,355	$1,198	+13.1%	$1,220 – $1,490
1 bedroom	$1,428	$1,254	+13.9%	$1,286 – $1,570
2 bedrooms	$1,555	$1,375	+13.1%	$1,400 – $1,710
3 bedrooms	$1,853	$1,649	+12.4%	$1,668 – $2,038
4 bedrooms	$2,331	$2,307	+1.0%	$2,098 – $2,564

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 Rappahannock County that is typically $1,400 to $1,710 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?

$56,786median income of renter households

$1,290Median gross rent, all units

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

37%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $56,786 can afford about $1,420 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,555 is $135 (9.5%) more than that. To rent a two-bedroom at the FMR, a household needs $62,200 a year under the 30% rule, or $55,980 under the common landlord rule that income must be three times the rent.

Rappahannock County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,290 ±$403
Median income of renter households	$56,786 ±$17,155
Renters paying 30% or more of income (cost-burdened)	37.2% ±13.1
Renters paying 50% or more (severely cost-burdened)	26.2% ±12.8
Renter households (where the share can be computed)	698

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,055	$1,290	+22.3%
Median renter household income	$37,228	$56,786	+52.5%
Renters paying 30%+ of income	51.3%	37.2%	−14.1 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 $1,430 to $1,850 depending on the ZIP code.

All 10 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
20106	$1,520	$1,560	$1,810	$2,330	$2,590
22623	$1,250	$1,310	$1,530	$1,890	$2,370
22627	$1,610	$1,700	$1,850	$2,200	$2,770
22630	$1,050	$1,090	$1,430	$1,890	$2,360
22640	$1,390	$1,460	$1,590	$1,890	$2,380
22713	$1,310	$1,330	$1,590	$2,130	$2,230
22716	$1,350	$1,410	$1,570	$1,930	$2,310
22740	$1,360	$1,430	$1,560	$1,880	$2,330
22747	$1,360	$1,430	$1,560	$1,860	$2,340
22749	$1,360	$1,430	$1,560	$1,860	$2,340

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

HUD income limits for Rappahannock County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $92,200 (FY2025: $108,300, −14.9%). 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%)	$21,600 −5.1%	$24,700 −5.0%	$27,800 −5.0%	$33,000 +1.5%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$36,100 −4.9%	$41,200 −5.0%	$46,350 −4.9%	$51,450 −5.0%	$55,600 −5.0%	$59,750 −4.9%	$63,800 −5.0%	$67,950 −5.0%
Low income (80%)	$57,700 −4.9%	$65,900 −5.0%	$74,150 −4.9%	$82,350 −5.0%	$88,950 −5.0%	$95,550 −5.0%	$102,150 −4.9%	$108,750 −4.9%

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.