Metro FMR area · NC, SC · HUD FY 2027
Charlotte-Concord-Gastonia, NC-SC Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the Charlotte-Concord-Gastonia, NC-SC area is $1,785 a month, 24% above the North Carolina average and 1% above the U.S. average of $1,761. ZIP-level Small Area FMRs for its 129 ZIP codes range from $1,010 to $2,680.
- $1,7852-bedroom FMR+$99 (+5.9%) vs FY 2026
- $1,6401-bedroom FMRU.S.: $1,478
- $71,400Income for a 2-bedroomat 30% of income
- 2,170,326Residents5 counties
| Unit | Charlotte-Concord-Gastonia, NC-SC FY 2027 | FY 2026 | Change | North Carolina avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,574 | $1,469 | +$105 (+7.1%) | $1,215 | $1,379 | $62,960 |
| 1 bedroom | $1,640 | $1,538 | +$102 (+6.6%) | $1,282 | $1,478 | $65,600 |
| 2 bedrooms | $1,785 | $1,686 | +$99 (+5.9%) | $1,441 | $1,761 | $71,400 |
| 3 bedrooms | $2,179 | $2,076 | +$103 (+5.0%) | $1,823 | $2,266 | $87,160 |
| 4 bedrooms | $2,773 | $2,637 | +$136 (+5.2%) | $2,256 | $2,607 | $110,920 |
Counties in this FMR area
| County | Residents in area |
|---|---|
| Cabarrus County, NC | 236,133 |
| Gaston County, NC | 234,881 |
| Mecklenburg County, NC | 1,154,681 |
| Union County, NC | 250,958 |
| York County, SC | 293,673 |
Small Area FMRs by ZIP code
Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,890.
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 28006 | $1,160 | $1,200 | $1,310 | $1,730 | $2,130 | +$70 (+5.6%) | 27% below |
| 28012 | $1,410 | $1,470 | $1,600 | $1,950 | $2,490 | +$120 (+8.1%) | 10% below |
| 28016 | $940 | $980 | $1,070 | $1,310 | $1,660 | +$10 (+0.9%) | 40% below |
| 28021 | $980 | $1,020 | $1,120 | $1,430 | $1,730 | +$90 (+8.7%) | 37% below |
| 28025 | $1,340 | $1,400 | $1,520 | $1,860 | $2,360 | +$80 (+5.6%) | 15% below |
| 28026 | $1,440 | $1,500 | $1,630 | $1,990 | $2,530 | +$120 (+7.9%) | 9% below |
| 28027 | $1,580 | $1,640 | $1,790 | $2,190 | $2,780 | +$130 (+7.8%) | about the same as |
| 28031 | $1,760 | $1,840 | $2,000 | $2,440 | $3,110 | +$110 (+5.8%) | 12% above |
| 28032 | $1,140 | $1,190 | $1,290 | $1,570 | $2,000 | −$40 (−3.0%) | 28% below |
| 28033 | $940 | $970 | $1,060 | $1,410 | $1,730 | +$100 (+10.4%) | 41% below |
| 28034 | $940 | $980 | $1,070 | $1,310 | $1,660 | +$20 (+1.9%) | 40% below |
| 28035 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28036 | $1,800 | $1,880 | $2,040 | $2,510 | $3,190 | +$100 (+5.2%) | 14% above |
| 28052 | $1,150 | $1,190 | $1,300 | $1,590 | $2,020 | +$30 (+2.4%) | 27% below |
| 28053 | $1,190 | $1,240 | $1,350 | $1,650 | $2,100 | +$60 (+4.7%) | 24% below |
| 28054 | $1,340 | $1,400 | $1,520 | $1,860 | $2,360 | +$20 (+1.3%) | 15% below |
| 28055 | $1,190 | $1,240 | $1,350 | $1,650 | $2,100 | +$60 (+4.7%) | 24% below |
| 28056 | $1,230 | $1,280 | $1,390 | $1,700 | $2,160 | +$90 (+6.9%) | 22% below |
| 28070 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28071 | $900 | $930 | $1,120 | $1,420 | $1,820 | −$40 (−3.4%) | 37% below |
| 28075 | $2,360 | $2,460 | $2,680 | $3,270 | $4,160 | +$150 (+5.9%) | 50% above |
| 28077 | $950 | $990 | $1,080 | $1,410 | $1,740 | +$150 (+16.1%) | 39% below |
| 28078 | $1,900 | $1,980 | $2,150 | $2,620 | $3,340 | +$60 (+2.9%) | 20% above |
| 28079 | $2,080 | $2,170 | $2,360 | $2,880 | $3,670 | +$140 (+6.3%) | 32% above |
| 28080 | $1,170 | $1,220 | $1,330 | $1,840 | $2,220 | +$50 (+3.9%) | 25% below |
| 28081 | $1,130 | $1,170 | $1,350 | $1,670 | $2,160 | +$100 (+8.0%) | 24% below |
| 28082 | $1,440 | $1,500 | $1,630 | $1,990 | $2,530 | +$120 (+7.9%) | 9% below |
| 28083 | $1,220 | $1,260 | $1,420 | $1,750 | $2,250 | +$90 (+6.8%) | 20% below |
| 28086 | $900 | $910 | $1,050 | $1,430 | $1,510 | +$80 (+8.2%) | 41% below |
| 28092 | $960 | $1,000 | $1,090 | $1,510 | $1,820 | +$80 (+7.9%) | 39% below |
| 28097 | $780 | $790 | $1,020 | $1,380 | $1,470 | +$70 (+7.4%) | 43% below |
| 28098 | $1,420 | $1,480 | $1,610 | $1,970 | $2,500 | +$190 (+13.4%) | 10% below |
| 28101 | $1,310 | $1,370 | $1,490 | $1,820 | $2,310 | +$140 (+10.4%) | 17% below |
| 28103 | $1,150 | $1,190 | $1,300 | $1,590 | $2,020 | +$100 (+8.3%) | 27% below |
| 28104 | $1,900 | $1,980 | $2,150 | $2,620 | $3,340 | +$110 (+5.4%) | 20% above |
| 28105 | $1,740 | $1,810 | $1,970 | $2,410 | $3,060 | +$90 (+4.8%) | 10% above |
| 28106 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28107 | $1,260 | $1,310 | $1,440 | $1,760 | $2,230 | +$140 (+10.8%) | 19% below |
| 28108 | $1,740 | $1,810 | $1,970 | $2,410 | $3,060 | +$110 (+5.9%) | 10% above |
| 28110 | $1,430 | $1,490 | $1,620 | $1,980 | $2,520 | +$70 (+4.5%) | 9% below |
| 28111 | $1,550 | $1,620 | $1,760 | $2,150 | $2,730 | +$120 (+7.3%) | 1% below |
| 28112 | $1,200 | $1,250 | $1,360 | $1,660 | $2,110 | +$80 (+6.2%) | 24% below |
| 28120 | $1,290 | $1,340 | $1,460 | $1,780 | $2,270 | +$90 (+6.6%) | 18% below |
| 28124 | $1,180 | $1,230 | $1,360 | $1,670 | $2,090 | +$100 (+7.9%) | 24% below |
| 28126 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28130 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28133 | $1,030 | $1,050 | $1,250 | $1,520 | $1,900 | +$50 (+4.2%) | 30% below |
| 28134 | $1,770 | $1,850 | $2,010 | $2,450 | $3,120 | +$120 (+6.3%) | 13% above |
| 28135 | $1,030 | $1,030 | $1,320 | $1,570 | $1,980 | +$90 (+7.3%) | 26% below |
| 28138 | $990 | $1,010 | $1,250 | $1,580 | $2,070 | +$10 (+0.8%) | 30% below |
| 28164 | $1,190 | $1,240 | $1,350 | $1,720 | $2,150 | +$90 (+7.1%) | 24% below |
| 28173 | $1,860 | $1,940 | $2,110 | $2,580 | $3,280 | +$120 (+6.0%) | 18% above |
| 28174 | $1,170 | $1,220 | $1,330 | $1,620 | $2,070 | +$80 (+6.4%) | 25% below |
| 28202 | $2,360 | $2,460 | $2,680 | $3,270 | $4,160 | +$150 (+5.9%) | 50% above |
| 28203 | $2,360 | $2,460 | $2,680 | $3,270 | $4,160 | +$150 (+5.9%) | 50% above |
| 28204 | $2,100 | $2,190 | $2,380 | $2,910 | $3,700 | +$60 (+2.6%) | 33% above |
| 28205 | $1,480 | $1,540 | $1,680 | $2,050 | $2,610 | +$60 (+3.7%) | 6% below |
| 28206 | $1,390 | $1,450 | $1,580 | $1,930 | $2,450 | +$110 (+7.5%) | 11% below |
| 28207 | $1,730 | $1,800 | $1,960 | $2,390 | $3,040 | +$120 (+6.5%) | 10% above |
| 28208 | $1,320 | $1,380 | $1,500 | $1,830 | $2,330 | +$30 (+2.0%) | 16% below |
| 28209 | $1,700 | $1,770 | $1,930 | $2,360 | $3,000 | +$60 (+3.2%) | 8% above |
| 28210 | $1,710 | $1,780 | $1,940 | $2,370 | $3,010 | +$60 (+3.2%) | 9% above |
| 28211 | $1,840 | $1,920 | $2,090 | $2,550 | $3,250 | +$100 (+5.0%) | 17% above |
| 28212 | $1,540 | $1,610 | $1,750 | $2,140 | $2,720 | +$50 (+2.9%) | 2% below |
| 28213 | $1,450 | $1,520 | $1,650 | $2,010 | $2,560 | +$70 (+4.4%) | 8% below |
| 28214 | $1,710 | $1,780 | $1,940 | $2,370 | $3,010 | +$130 (+7.2%) | 9% above |
| 28215 | $1,680 | $1,750 | $1,910 | $2,330 | $2,970 | +$180 (+10.4%) | 7% above |
| 28216 | $1,620 | $1,690 | $1,840 | $2,250 | $2,860 | +$60 (+3.4%) | 3% above |
| 28217 | $1,790 | $1,860 | $2,030 | $2,480 | $3,150 | +$70 (+3.6%) | 14% above |
| 28219 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28220 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28221 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28222 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28223 | $1,690 | $1,760 | $1,920 | $2,340 | $2,980 | +$70 (+3.8%) | 8% above |
| 28224 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28226 | $1,610 | $1,680 | $1,830 | $2,230 | $2,840 | +$110 (+6.4%) | 3% above |
| 28227 | $1,560 | $1,630 | $1,770 | $2,160 | $2,750 | −$50 (−2.7%) | 1% below |
| 28228 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28229 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28230 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28231 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28232 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28233 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28234 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28235 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28236 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28237 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28241 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28244 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28246 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28247 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28254 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28256 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28262 | $1,820 | $1,890 | $2,060 | $2,520 | $3,200 | +$70 (+3.5%) | 15% above |
| 28266 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28269 | $1,820 | $1,890 | $2,060 | $2,520 | $3,200 | +$70 (+3.5%) | 15% above |
| 28270 | $1,830 | $1,910 | $2,080 | $2,540 | $3,230 | +$50 (+2.5%) | 17% above |
| 28271 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28273 | $1,940 | $2,020 | $2,200 | $2,690 | $3,420 | +$70 (+3.3%) | 23% above |
| 28274 | $1,730 | $1,800 | $1,960 | $2,390 | $3,040 | +$120 (+6.5%) | 10% above |
| 28277 | $2,060 | $2,150 | $2,340 | $2,860 | $3,630 | +$10 (+0.4%) | 31% above |
| 28278 | $1,870 | $1,950 | $2,120 | $2,590 | $3,290 | +$40 (+1.9%) | 19% above |
| 28280 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28281 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28282 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28284 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28285 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28287 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28297 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 28299 | $1,670 | $1,740 | $1,890 | $2,310 | $2,940 | +$100 (+5.6%) | 6% above |
| 29702 | $890 | $930 | $1,010 | $1,260 | $1,570 | +$80 (+8.6%) | 43% below |
| 29703 | $1,420 | $1,480 | $1,610 | $1,970 | $2,500 | +$80 (+5.2%) | 10% below |
| 29704 | $1,180 | $1,210 | $1,370 | $1,770 | $2,140 | +$250 (+22.3%) | 23% below |
| 29706 | $780 | $790 | $1,020 | $1,400 | $1,470 | +$30 (+3.0%) | 43% below |
| 29708 | $1,710 | $1,780 | $1,940 | $2,370 | $3,010 | +$70 (+3.7%) | 9% above |
| 29710 | $1,550 | $1,620 | $1,760 | $2,150 | $2,730 | +$150 (+9.3%) | 1% below |
| 29712 | $1,210 | $1,230 | $1,480 | $1,940 | $2,210 | +$150 (+11.3%) | 17% below |
| 29715 | $1,660 | $1,730 | $1,880 | $2,300 | $2,920 | +$90 (+5.0%) | 5% above |
| 29716 | $1,420 | $1,480 | $1,610 | $1,970 | $2,500 | +$80 (+5.2%) | 10% below |
| 29717 | $1,160 | $1,210 | $1,320 | $1,610 | $2,050 | +$50 (+3.9%) | 26% below |
| 29726 | $1,050 | $1,090 | $1,240 | $1,570 | $1,890 | +$150 (+13.8%) | 31% below |
| 29730 | $1,360 | $1,410 | $1,540 | $1,880 | $2,390 | +$30 (+2.0%) | 14% below |
| 29731 | $1,420 | $1,480 | $1,610 | $1,970 | $2,500 | +$80 (+5.2%) | 10% below |
| 29732 | $1,380 | $1,440 | $1,570 | $1,920 | $2,440 | +$60 (+4.0%) | 12% below |
| 29733 | $1,370 | $1,420 | $1,550 | $1,890 | $2,400 | +$40 (+2.6%) | 13% below |
| 29734 | $1,420 | $1,480 | $1,610 | $1,970 | $2,500 | +$80 (+5.2%) | 10% below |
| 29742 | $1,170 | $1,220 | $1,350 | $1,670 | $2,080 | +$20 (+1.5%) | 24% below |
| 29743 | $890 | $930 | $1,010 | $1,240 | $1,570 | +$40 (+4.1%) | 43% below |
| 29745 | $1,050 | $1,090 | $1,190 | $1,450 | $1,850 | +$80 (+7.2%) | 33% 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).
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.