Tennessee · FIPS 47185 · HUD FY 2027
White County, Tennessee Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in White County is $1,021 a month (rent plus utilities), 26% below the Tennessee average of $1,381 and 42% below the U.S. average of $1,761. That is up $29 (2.9%) from FY 2026. At 30% of income, a household needs about $40,840 a year to afford it.
- $1,0212-bedroom FMR+$29 (+2.9%) vs FY 2026
- $7801-bedroom FMRTennessee: $1,196 · U.S.: $1,478
- $40,840Income for a 2-bedroom$20/hour full-time
- 52 of 952BR rank in Tennessee1 = highest rent
| Unit | White County FY 2027 | FY 2026 | Change | Tennessee avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $775 | $751 | +$24 (+3.2%) | $1,141 | $1,379 | $31,000 |
| 1 bedroom | $780 | $756 | +$24 (+3.2%) | $1,196 | $1,478 | $31,200 |
| 2 bedrooms | $1,021 | $992 | +$29 (+2.9%) | $1,381 | $1,761 | $40,840 |
| 3 bedrooms | $1,321 | $1,240 | +$81 (+6.5%) | $1,771 | $2,266 | $52,840 |
| 4 bedrooms | $1,707 | $1,579 | +$128 (+8.1%) | $2,054 | $2,607 | $68,280 |
How White County compares
- White 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: $775, $780, $1,021, $1,321, $1,707. 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 White County (by land area), the 2-bedroom figure ranges from $1,000 to $1,090.
Small Area FMRs by ZIP code in White County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 38579 | $830 | $830 | $1,090 | $1,410 | $1,820 | +$10 (+0.9%) | 7% above |
| 38583 | $790 | $800 | $1,040 | $1,350 | $1,720 | +$30 (+3.0%) | 2% above |
| 38587 | $760 | $760 | $1,000 | $1,290 | $1,660 | +$70 (+7.5%) | 2% 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.