Oconto County, WI: 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

$8441-bedroom FMR, FY2027

$79,60080% income limit, family of 4 (FY2026)

$99,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Oconto County is $1,014 a month, up 4.2% from $973 in FY2026. Oconto County belongs to the Oconto County, WI 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 Oconto County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$774	$723	+7.1%	$697 – $851
1 bedroom	$844	$793	+6.4%	$760 – $928
2 bedrooms	$1,014	$973	+4.2%	$913 – $1,115
3 bedrooms	$1,375	$1,272	+8.1%	$1,238 – $1,512
4 bedrooms	$1,380	$1,288	+7.1%	$1,242 – $1,518

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 Oconto 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?

$40,972median income of renter households

$791Median gross rent, all units

23%Rent-to-income ratio (median rent ÷ median renter income)

42%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,972 can afford about $1,024 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,014 is $10 (1.0%) less 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.

Oconto County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$791 ±$30
Median income of renter households	$40,972 ±$6,971
Renters paying 30% or more of income (cost-burdened)	41.8% ±6.7
Renters paying 50% or more (severely cost-burdened)	15.8% ±4.9
Renter households (where the share can be computed)	2,169

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$683	$791	+15.8%
Median renter household income	$35,211	$40,972	+16.4%
Renters paying 30%+ of income	36.6%	41.8%	+5.2 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 $1,400 depending on the ZIP code.

All 21 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
54101	$920	$1,010	$1,210	$1,640	$1,650
54104	$720	$790	$1,020	$1,240	$1,510
54111	$880	$1,000	$1,200	$1,570	$1,580
54112	$710	$790	$1,010	$1,230	$1,510
54114	$710	$790	$1,010	$1,220	$1,520
54124	$770	$850	$1,010	$1,380	$1,390
54137	$830	$900	$1,100	$1,460	$1,480
54138	$760	$830	$1,020	$1,340	$1,430
54139	$770	$840	$1,010	$1,380	$1,390
54141	$890	$970	$1,160	$1,570	$1,580
54149	$760	$830	$1,030	$1,320	$1,420
54153	$770	$840	$1,010	$1,390	$1,390
54154	$770	$840	$1,010	$1,380	$1,390
54157	$710	$790	$1,010	$1,210	$1,530
54161	$730	$810	$1,010	$1,280	$1,480
54162	$810	$870	$1,070	$1,420	$1,460
54171	$890	$970	$1,160	$1,570	$1,580
54174	$810	$890	$1,060	$1,430	$1,440
54175	$780	$850	$1,020	$1,380	$1,390
54313	$1,070	$1,120	$1,400	$1,850	$1,920
54491	$730	$780	$1,010	$1,220	$1,340

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

HUD income limits for Oconto County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $99,500 (FY2025: $97,900, +1.6%). 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%)	$20,900 +1.7%	$23,900 +1.7%	$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%)	$34,850 +1.6%	$39,800 +1.5%	$44,800 +1.6%	$49,750 +1.6%	$53,750 +1.6%	$57,750 +1.7%	$61,700 +1.6%	$65,700 +1.6%
Low income (80%)	$55,750 +1.6%	$63,700 +1.7%	$71,650 +1.6%	$79,600 +1.7%	$86,000 +1.7%	$92,350 +1.7%	$98,750 +1.7%	$105,100 +1.6%

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.