Tennessee · FIPS 47173 · HUD FY 2027
Union County, Tennessee Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Union County is $1,475 a month (rent plus utilities), 7% above the Tennessee average of $1,381 and 16% below the U.S. average of $1,761. That is up $4 (0.3%) from FY 2026. At 30% of income, a household needs about $59,000 a year to afford it.
- $1,4752-bedroom FMR+$4 (+0.3%) vs FY 2026
- $1,1781-bedroom FMRTennessee: $1,196 · U.S.: $1,478
- $59,000Income for a 2-bedroom$28/hour full-time
- 11 of 952BR rank in Tennessee1 = highest rent
| Unit | Union County FY 2027 | FY 2026 | Change | Tennessee avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,171 | $1,177 | −$6 (−0.5%) | $1,141 | $1,379 | $46,840 |
| 1 bedroom | $1,178 | $1,184 | −$6 (−0.5%) | $1,196 | $1,478 | $47,120 |
| 2 bedrooms | $1,475 | $1,471 | +$4 (+0.3%) | $1,381 | $1,761 | $59,000 |
| 3 bedrooms | $1,844 | $1,864 | −$20 (−1.1%) | $1,771 | $2,266 | $73,760 |
| 4 bedrooms | $2,122 | $2,172 | −$50 (−2.3%) | $2,054 | $2,607 | $84,880 |
How Union County compares
- HUD sets this rent for the Knoxville, TN metro FMR area, which covers 791,645 residents in 5 counties.
- Across Tennessee, 2-bedroom FMRs run from $995 (Weakley County) to $1,798 (Cannon County).
- Studio to 4-bedroom: $1,171, $1,178, $1,475, $1,844, $2,122. 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 Union County (by land area), the 2-bedroom figure ranges from $1,050 to $1,160.
Small Area FMRs by ZIP code in Union County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 37779 | $920 | $920 | $1,160 | $1,450 | $1,660 | +$70 (+6.4%) | 21% below |
| 37807 | $900 | $900 | $1,130 | $1,410 | $1,630 | −$50 (−4.2%) | 23% below |
| 37866 | $810 | $900 | $1,050 | $1,310 | $1,470 | +$30 (+2.9%) | 29% below |
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.