Tennessee · FIPS 47145 · HUD FY 2027
Roane County, Tennessee Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Roane County is $1,048 a month (rent plus utilities), 24% below the Tennessee average of $1,381 and 40% below the U.S. average of $1,761. That is down $44 (4.0%) from FY 2026. At 30% of income, a household needs about $41,920 a year to afford it.
- $1,0482-bedroom FMR−$44 (−4.0%) vs FY 2026
- $8621-bedroom FMRTennessee: $1,196 · U.S.: $1,478
- $41,920Income for a 2-bedroom$20/hour full-time
- 48 of 952BR rank in Tennessee1 = highest rent
| Unit | Roane County FY 2027 | FY 2026 | Change | Tennessee avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $857 | $912 | −$55 (−6.0%) | $1,141 | $1,379 | $34,280 |
| 1 bedroom | $862 | $918 | −$56 (−6.1%) | $1,196 | $1,478 | $34,480 |
| 2 bedrooms | $1,048 | $1,092 | −$44 (−4.0%) | $1,381 | $1,761 | $41,920 |
| 3 bedrooms | $1,395 | $1,432 | −$37 (−2.6%) | $1,771 | $2,266 | $55,800 |
| 4 bedrooms | $1,649 | $1,832 | −$183 (−10.0%) | $2,054 | $2,607 | $65,960 |
How Roane County compares
- HUD sets this rent for the Roane County, TN metro FMR area, which covers 55,208 residents in 1 county.
- Across Tennessee, 2-bedroom FMRs run from $995 (Weakley County) to $1,798 (Cannon County).
- Studio to 4-bedroom: $857, $862, $1,048, $1,395, $1,649. 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 3 ZIP codes mostly in Roane County (by land area), the 2-bedroom figure ranges from $1,030 to $1,050.
Small Area FMRs by ZIP code in Roane County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 37748 | $840 | $850 | $1,040 | $1,380 | $1,650 | −$40 (−3.7%) | 1% below |
| 37763 | $840 | $850 | $1,030 | $1,370 | $1,680 | −$80 (−7.2%) | 2% below |
| 37854 | $850 | $850 | $1,050 | $1,400 | $1,530 | +$10 (+1.0%) | 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.