Mississippi · FIPS 28115 · HUD FY 2027
Pontotoc County, Mississippi Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Pontotoc County is $923 a month (rent plus utilities), 15% below the Mississippi average of $1,087 and 48% below the U.S. average of $1,761. That is down $9 (1.0%) from FY 2026. At 30% of income, a household needs about $36,920 a year to afford it.
- $9232-bedroom FMR−$9 (−1.0%) vs FY 2026
- $8481-bedroom FMRMississippi: $928 · U.S.: $1,478
- $36,920Income for a 2-bedroom$18/hour full-time
- 33 of 822BR rank in Mississippi1 = highest rent
| Unit | Pontotoc County FY 2027 | FY 2026 | Change | Mississippi avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $689 | $643 | +$46 (+7.2%) | $883 | $1,379 | $27,560 |
| 1 bedroom | $848 | $850 | −$2 (−0.2%) | $928 | $1,478 | $33,920 |
| 2 bedrooms | $923 | $932 | −$9 (−1.0%) | $1,087 | $1,761 | $36,920 |
| 3 bedrooms | $1,191 | $1,142 | +$49 (+4.3%) | $1,371 | $2,266 | $47,640 |
| 4 bedrooms | $1,543 | $1,484 | +$59 (+4.0%) | $1,518 | $2,607 | $61,720 |
How Pontotoc County compares
- Pontotoc County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Mississippi, 2-bedroom FMRs run from $905 (Yalobusha County) to $1,316 (Forrest County).
- Studio to 4-bedroom: $689, $848, $923, $1,191, $1,543. 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 6 ZIP codes mostly in Pontotoc County (by land area), the 2-bedroom figure ranges from $910 to $1,120.
Small Area FMRs by ZIP code in Pontotoc County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 38826 | $920 | $970 | $1,090 | $1,380 | $1,530 | −$10 (−0.9%) | 18% above |
| 38841 | $690 | $830 | $910 | $1,170 | $1,510 | +$10 (+1.1%) | 1% below |
| 38863 | $950 | $950 | $1,120 | $1,390 | $1,550 | −$50 (−4.3%) | 21% above |
| 38864 | $700 | $800 | $940 | $1,210 | $1,430 | +$20 (+2.2%) | 2% above |
| 38869 | $730 | $900 | $980 | $1,260 | $1,640 | −$30 (−3.0%) | 6% above |
| 38871 | $950 | $950 | $1,120 | $1,390 | $1,500 | −$50 (−4.3%) | 21% 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.