Georgia · FIPS 13103 · HUD FY 2027
Effingham County, Georgia Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Effingham County is $1,679 a month (rent plus utilities), 10% above the Georgia average of $1,528 and 5% below the U.S. average of $1,761. That is down $1 (0.1%) from FY 2026. At 30% of income, a household needs about $67,160 a year to afford it.
- $1,6792-bedroom FMR−$1 (−0.1%) vs FY 2026
- $1,5421-bedroom FMRGeorgia: $1,374 · U.S.: $1,478
- $67,160Income for a 2-bedroom$32/hour full-time
- 25 of 1592BR rank in Georgia1 = highest rent
| Unit | Effingham County FY 2027 | FY 2026 | Change | Georgia avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,481 | $1,455 | +$26 (+1.8%) | $1,305 | $1,379 | $59,240 |
| 1 bedroom | $1,542 | $1,533 | +$9 (+0.6%) | $1,374 | $1,478 | $61,680 |
| 2 bedrooms | $1,679 | $1,680 | −$1 (−0.1%) | $1,528 | $1,761 | $67,160 |
| 3 bedrooms | $2,185 | $2,235 | −$50 (−2.2%) | $1,865 | $2,266 | $87,400 |
| 4 bedrooms | $2,484 | $2,547 | −$63 (−2.5%) | $2,203 | $2,607 | $99,360 |
How Effingham County compares
- HUD sets this rent for the Savannah, GA metro FMR area, which covers 418,285 residents in 3 counties.
- Across Georgia, 2-bedroom FMRs run from $1,002 (Wilkinson County) to $1,762 (Barrow County).
- Studio to 4-bedroom: $1,481, $1,542, $1,679, $2,185, $2,484. 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 Effingham County (by land area), the 2-bedroom figure ranges from $1,520 to $1,770.
Small Area FMRs by ZIP code in Effingham County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 31303 | $1,310 | $1,380 | $1,520 | $2,020 | $2,300 | +$90 (+6.3%) | 9% below |
| 31307 | $1,330 | $1,390 | $1,530 | $2,020 | $2,300 | +$30 (+2.0%) | 9% below |
| 31312 | $1,560 | $1,630 | $1,770 | $2,300 | $2,620 | +$50 (+2.9%) | 5% above |
| 31318 | $1,310 | $1,380 | $1,520 | $2,020 | $2,300 | +$90 (+6.3%) | 9% below |
| 31326 | $1,310 | $1,380 | $1,520 | $2,020 | $2,300 | +$50 (+3.4%) | 9% below |
| 31329 | $1,310 | $1,380 | $1,520 | $2,020 | $2,300 | +$60 (+4.1%) | 9% 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.