New Mexico · FIPS 35021 · HUD FY 2027
Harding County, New Mexico Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Harding County is $1,059 a month (rent plus utilities), 17% below the New Mexico average of $1,282 and 40% below the U.S. average of $1,761. That is up $19 (1.8%) from FY 2026. At 30% of income, a household needs about $42,360 a year to afford it.
- $1,0592-bedroom FMR+$19 (+1.8%) vs FY 2026
- $8701-bedroom FMRNew Mexico: $1,051 · U.S.: $1,478
- $42,360Income for a 2-bedroom$20/hour full-time
- 18 of 332BR rank in New Mexico1 = highest rent
| Unit | Harding County FY 2027 | FY 2026 | Change | New Mexico avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $842 | $773 | +$69 (+8.9%) | $935 | $1,379 | $33,680 |
| 1 bedroom | $870 | $853 | +$17 (+2.0%) | $1,051 | $1,478 | $34,800 |
| 2 bedrooms | $1,059 | $1,040 | +$19 (+1.8%) | $1,282 | $1,761 | $42,360 |
| 3 bedrooms | $1,449 | $1,424 | +$25 (+1.8%) | $1,716 | $2,266 | $57,960 |
| 4 bedrooms | $1,660 | $1,677 | −$17 (−1.0%) | $1,982 | $2,607 | $66,400 |
How Harding County compares
- Harding County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across New Mexico, 2-bedroom FMRs run from $1,014 (Union County) to $1,874 (Los Alamos County).
- Studio to 4-bedroom: $842, $870, $1,059, $1,449, $1,660. 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 Harding County (by land area), the 2-bedroom figure ranges from $1,010 to $1,390.
Small Area FMRs by ZIP code in Harding County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 87730 | $810 | $870 | $1,010 | $1,400 | $1,600 | −$10 (−1.0%) | 5% below |
| 87733 | $1,040 | $1,050 | $1,370 | $1,790 | $2,140 | +$190 (+16.1%) | 29% above |
| 87743 | $840 | $870 | $1,060 | $1,450 | $1,660 | +$10 (+1.0%) | about the same as |
| 88426 | $1,060 | $1,070 | $1,390 | $1,820 | $2,180 | +$50 (+3.7%) | 31% above |
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.