Tennessee · FIPS 47099 · HUD FY 2027
Lawrence County, Tennessee Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Lawrence County is $1,008 a month (rent plus utilities), 27% below the Tennessee average of $1,381 and 43% below the U.S. average of $1,761. That is up $69 (7.3%) from FY 2026. At 30% of income, a household needs about $40,320 a year to afford it.
- $1,0082-bedroom FMR+$69 (+7.3%) vs FY 2026
- $7711-bedroom FMRTennessee: $1,196 · U.S.: $1,478
- $40,320Income for a 2-bedroom$19/hour full-time
- 55 of 952BR rank in Tennessee1 = highest rent
| Unit | Lawrence County FY 2027 | FY 2026 | Change | Tennessee avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $766 | $711 | +$55 (+7.7%) | $1,141 | $1,379 | $30,640 |
| 1 bedroom | $771 | $716 | +$55 (+7.7%) | $1,196 | $1,478 | $30,840 |
| 2 bedrooms | $1,008 | $939 | +$69 (+7.3%) | $1,381 | $1,761 | $40,320 |
| 3 bedrooms | $1,201 | $1,126 | +$75 (+6.7%) | $1,771 | $2,266 | $48,040 |
| 4 bedrooms | $1,347 | $1,243 | +$104 (+8.4%) | $2,054 | $2,607 | $53,880 |
How Lawrence County compares
- Lawrence County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Tennessee, 2-bedroom FMRs run from $995 (Weakley County) to $1,798 (Cannon County).
- Studio to 4-bedroom: $766, $771, $1,008, $1,201, $1,347. 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 8 ZIP codes mostly in Lawrence County (by land area), the 2-bedroom figure ranges from $1,000 to $1,370.
Small Area FMRs by ZIP code in Lawrence County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 38456 | $770 | $790 | $1,020 | $1,230 | $1,400 | +$70 (+7.4%) | 1% above |
| 38457 | $940 | $960 | $1,250 | $1,490 | $1,670 | +$160 (+14.7%) | 24% above |
| 38464 | $770 | $770 | $1,010 | $1,210 | $1,350 | +$60 (+6.3%) | about the same as |
| 38468 | $1,040 | $1,050 | $1,370 | $1,630 | $1,830 | +$210 (+18.1%) | 36% above |
| 38469 | $760 | $760 | $1,000 | $1,190 | $1,330 | +$70 (+7.5%) | 1% below |
| 38481 | $760 | $760 | $1,000 | $1,190 | $1,330 | +$70 (+7.5%) | 1% below |
| 38483 | $1,020 | $1,030 | $1,220 | $1,540 | $1,730 | −$110 (−8.3%) | 21% above |
| 38486 | $770 | $770 | $1,010 | $1,210 | $1,350 | +$70 (+7.4%) | about the same as |
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.