Winnebago 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).

$1,1952-bedroom FMR, FY2027

$9361-bedroom FMR, FY2027

$80,40080% income limit, family of 4 (FY2026)

$100,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Winnebago County is $1,195 a month, up 4.0% from $1,149 in FY2026. Winnebago County belongs to the Oshkosh-Neenah, WI 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 Winnebago County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$909	$875	+3.9%	$819 – $999
1 bedroom	$936	$889	+5.3%	$843 – $1,029
2 bedrooms	$1,195	$1,149	+4.0%	$1,076 – $1,314
3 bedrooms	$1,609	$1,543	+4.3%	$1,449 – $1,769
4 bedrooms	$1,646	$1,651	−0.3%	$1,482 – $1,810

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 Winnebago County that is typically $1,076 to $1,314 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?

$45,677median income of renter households

$965Median 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 $45,677 can afford about $1,142 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,195 is $53 (4.6%) more than that. To rent a two-bedroom at the FMR, a household needs $47,800 a year under the 30% rule, or $43,020 under the common landlord rule that income must be three times the rent.

Winnebago County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$965 ±$17
Median income of renter households	$45,677 ±$3,321
Renters paying 30% or more of income (cost-burdened)	41.2% ±3.0
Renters paying 50% or more (severely cost-burdened)	19.1% ±2.1
Renter households (where the share can be computed)	23,969

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$766	$965	+26.0%
Median renter household income	$34,944	$45,677	+30.7%
Renters paying 30%+ of income	41.4%	41.2%	−0.2 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 $1,040 to $1,460 depending on the ZIP code.

All 21 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
54901	$910	$930	$1,190	$1,600	$1,640
54902	$830	$850	$1,090	$1,470	$1,500
54903	$910	$940	$1,200	$1,620	$1,650
54904	$890	$920	$1,170	$1,580	$1,610
54914	$880	$940	$1,200	$1,660	$1,860
54915	$900	$970	$1,230	$1,700	$1,890
54923	$790	$810	$1,040	$1,390	$1,490
54927	$880	$910	$1,160	$1,560	$1,590
54940	$860	$880	$1,120	$1,540	$1,600
54944	$790	$870	$1,120	$1,540	$1,660
54947	$1,040	$1,070	$1,370	$1,840	$1,890
54952	$900	$930	$1,190	$1,610	$1,690
54956	$1,050	$1,080	$1,380	$1,860	$1,900
54957	$910	$940	$1,200	$1,620	$1,650
54963	$930	$960	$1,220	$1,640	$1,680
54964	$940	$1,000	$1,260	$1,680	$1,750
54971	$790	$860	$1,060	$1,390	$1,500
54979	$1,020	$1,170	$1,460	$1,860	$2,070
54980	$930	$970	$1,230	$1,650	$1,700
54985	$910	$930	$1,190	$1,600	$1,640
54986	$820	$850	$1,080	$1,450	$1,490

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

HUD income limits for Winnebago County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $100,500 (FY2025: $103,600, −3.0%). 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%)	$21,150 −3.0%	$24,150 −3.0%	$27,320 −2.4%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$35,200 −3.0%	$40,200 −3.0%	$45,250 −3.0%	$50,250 −3.0%	$54,300 −2.9%	$58,300 −3.0%	$62,350 −3.0%	$66,350 −3.0%
Low income (80%)	$56,300 −3.0%	$64,350 −3.0%	$72,400 −3.0%	$80,400 −3.0%	$86,850 −3.0%	$93,300 −3.0%	$99,700 −3.0%	$106,150 −3.0%

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.