Virginia · FIPS 51049 · HUD FY 2027
Cumberland County, Virginia Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Cumberland County is $1,046 a month (rent plus utilities), 42% below the Virginia average of $1,792 and 41% below the U.S. average of $1,761. That is up $49 (4.9%) from FY 2026. At 30% of income, a household needs about $41,840 a year to afford it.
- $1,0462-bedroom FMR+$49 (+4.9%) vs FY 2026
- $8651-bedroom FMRVirginia: $1,596 · U.S.: $1,478
- $41,840Income for a 2-bedroom$20/hour full-time
- 96 of 1332BR rank in Virginia1 = highest rent
| Unit | Cumberland County FY 2027 | FY 2026 | Change | Virginia avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $859 | $812 | +$47 (+5.8%) | $1,536 | $1,379 | $34,360 |
| 1 bedroom | $865 | $817 | +$48 (+5.9%) | $1,596 | $1,478 | $34,600 |
| 2 bedrooms | $1,046 | $997 | +$49 (+4.9%) | $1,792 | $1,761 | $41,840 |
| 3 bedrooms | $1,246 | $1,195 | +$51 (+4.3%) | $2,326 | $2,266 | $49,840 |
| 4 bedrooms | $1,619 | $1,673 | −$54 (−3.2%) | $2,752 | $2,607 | $64,760 |
How Cumberland County compares
- Cumberland County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Virginia, 2-bedroom FMRs run from $943 (Wythe County) to $2,438 (Alexandria city).
- Studio to 4-bedroom: $859, $865, $1,046, $1,246, $1,619. 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 Cumberland County (by land area), the 2-bedroom figure ranges from $1,060 to $1,350.
Small Area FMRs by ZIP code in Cumberland County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 23027 | $1,100 | $1,120 | $1,350 | $1,620 | $2,270 | −$150 (−10.0%) | 29% above |
| 23040 | $870 | $880 | $1,060 | $1,270 | $1,640 | +$60 (+6.0%) | 1% above |
| 23901 | $960 | $970 | $1,150 | $1,390 | $1,600 | +$20 (+1.8%) | 10% 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.