Georgia · FIPS 13061 · HUD FY 2027
Clay County, Georgia Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Clay County is $1,002 a month (rent plus utilities), 34% below the Georgia average of $1,528 and 43% below the U.S. average of $1,761. That is up $29 (3.0%) from FY 2026. At 30% of income, a household needs about $40,080 a year to afford it.
- $1,0022-bedroom FMR+$29 (+3.0%) vs FY 2026
- $8031-bedroom FMRGeorgia: $1,374 · U.S.: $1,478
- $40,080Income for a 2-bedroom$19/hour full-time
- 94 of 1592BR rank in Georgia1 = highest rent
| Unit | Clay County FY 2027 | FY 2026 | Change | Georgia avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $798 | $765 | +$33 (+4.3%) | $1,305 | $1,379 | $31,920 |
| 1 bedroom | $803 | $770 | +$33 (+4.3%) | $1,374 | $1,478 | $32,120 |
| 2 bedrooms | $1,002 | $973 | +$29 (+3.0%) | $1,528 | $1,761 | $40,080 |
| 3 bedrooms | $1,246 | $1,217 | +$29 (+2.4%) | $1,865 | $2,266 | $49,840 |
| 4 bedrooms | $1,446 | $1,395 | +$51 (+3.7%) | $2,203 | $2,607 | $57,840 |
How Clay County compares
- Clay County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Georgia, 2-bedroom FMRs run from $1,002 (Wilkinson County) to $1,762 (Barrow County).
- Studio to 4-bedroom: $798, $803, $1,002, $1,246, $1,446. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 2 ZIP codes mostly in Clay County (by land area), the 2-bedroom figure ranges from $1,030 to $1,050.
Small Area FMRs by ZIP code in Clay County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 39824 | $820 | $870 | $1,030 | $1,380 | $1,540 | +$30 (+3.0%) | 3% above |
| 39851 | $840 | $840 | $1,050 | $1,310 | $1,520 | +$80 (+8.2%) | 5% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.