Indiana · FIPS 18183 · HUD FY 2027
Whitley County, Indiana Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Whitley County is $1,248 a month (rent plus utilities), 4% below the Indiana average of $1,302 and 29% below the U.S. average of $1,761. That is up $135 (12.1%) from FY 2026. At 30% of income, a household needs about $49,920 a year to afford it.
- $1,2482-bedroom FMR+$135 (+12.1%) vs FY 2026
- $1,0261-bedroom FMRIndiana: $1,082 · U.S.: $1,478
- $49,920Income for a 2-bedroom$24/hour full-time
- 26 of 922BR rank in Indiana1 = highest rent
| Unit | Whitley County FY 2027 | FY 2026 | Change | Indiana avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,025 | $892 | +$133 (+14.9%) | $1,005 | $1,379 | $41,000 |
| 1 bedroom | $1,026 | $916 | +$110 (+12.0%) | $1,082 | $1,478 | $41,040 |
| 2 bedrooms | $1,248 | $1,113 | +$135 (+12.1%) | $1,302 | $1,761 | $49,920 |
| 3 bedrooms | $1,534 | $1,381 | +$153 (+11.1%) | $1,642 | $2,266 | $61,360 |
| 4 bedrooms | $1,679 | $1,512 | +$167 (+11.0%) | $1,904 | $2,607 | $67,160 |
How Whitley County compares
- HUD sets this rent for the Fort Wayne, IN metro FMR area, which covers 426,996 residents in 2 counties.
- Across Indiana, 2-bedroom FMRs run from $1,014 (Wayne County) to $1,536 (Boone County).
- Studio to 4-bedroom: $1,025, $1,026, $1,248, $1,534, $1,679. 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 4 ZIP codes mostly in Whitley County (by land area), the 2-bedroom figure ranges from $1,010 to $1,380.
Small Area FMRs by ZIP code in Whitley County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 46723 | $820 | $830 | $1,010 | $1,240 | $1,420 | −$80 (−7.3%) | 19% below |
| 46725 | $980 | $980 | $1,200 | $1,470 | $1,620 | +$130 (+12.1%) | 4% below |
| 46764 | $1,120 | $1,120 | $1,380 | $1,690 | $1,920 | +$220 (+19.0%) | 11% above |
| 46787 | $830 | $830 | $1,020 | $1,250 | $1,370 | +$40 (+4.1%) | 18% 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.