County FMR · HUD FY2026
Adams County Fair Market Rent
HUD's FY2026 Fair Market Rent for Adams County, IN - 9% below the US average.
- $872
- 1-bedroom FMR
- $956
- 2-bedroom FMR
- +12.4%
- YoY change
- -9%
- vs US avg
The verdict
Adams is the 1st cheapest of 92 counties in Indiana by 2-bedroom FMR; rent here has climbed 12.4% since FY 2025, a sharp move relative to most counties.
- #1
- cheapest of 92 in Indiana (2BR)
- -1%
- vs the state average
- $34,880
- income to afford it (30% rule)
- +12.4%
- YoY, FY2025→2026
General and Operations Managers spend the smallest share of income on rent here (9.7%), while Fast Food and Counter Workers spend the most (37%).
FY 2026 HUD Fair Market Rent for Adams County, IN. Verify with HUD →
HUD sets the FY 2026 1-bedroom Fair Market Rent for Adams County, Indiana at $872 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $956/mo and a studio is $695/mo. This is 9% lower than the national average of $959 and 1% below the Indiana average of $882.
Rent increased12.4% from FY 2025 ($776), outpacing inflation. To afford rent here, a household needs at least $34,880/year based on the 30% affordability rule.
FY 2026 HUD Fair Market Rents in Indiana. Population: 35,827. Population has held roughly steady over the past five years (+2.3%, Census ACS). That's in line with Indiana's statewide growth of +2.6% over the same period.
What these rents mean for Adams County
The Adams County FMR area applies to all ZIP codes inside the county boundary, and Indiana's housing authorities use it as the baseline for Section 8 Housing Choice Voucher payment standards. See how FMR is calculated for the full 40th-percentile methodology and payment-standard rules.
Adams County's 1-bedroom rent runs 9% below the US average of $959 and 1% lower than the Indiana state average of $882. Over the past year, 1-bedroom rent here shifted from$776 in FY 2025 to $872 in FY 2026 - a change of +12.4%, which outpaces typical consumer inflation.
At the FY 2026 1-bedroom FMR of $872, affording it under the 30%-of-income rule takes $34,880 per year (about $2,907/month) in household income, and a 2-bedroom at $956 pushes that threshold even higher. With a population of 35,827 and a county median household income of $63,128, the arithmetic here directly shapes which wage earners can rent without being cost-burdened.
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $772 | $695 | $-77 (-10.0%) |
| 1 Bedroom | $776 | $872 | +$96 (+12.4%) |
| 2 Bedroom | $928 | $956 | +$28 (+3.0%) |
| 3 Bedroom | $1,186 | $1,227 | +$41 (+3.5%) |
| 4 Bedroom | $1,230 | $1,266 | +$36 (+2.9%) |
Affordability Snapshot
Based on the standard that rent should not exceed 30% of gross income:
Rent Burden Analysis
How much of household income goes to rent in Adams County. The 30% threshold indicates cost burden.
How we calculate this
Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.
Adams County 2-bedroom rent burden
Where Adams sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$956 higher than 27% of 3,145 counties
Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026
How Adams compares on 1-bedroom rent
1-bedroom FMR vs other Indiana counties
- Marion
Marion County
$1,267 1BR FMR / mo
- Hamilton
Hamilton County
$1,267 1BR FMR / mo
- St. Joseph
St. Joseph County
$1,105 1BR FMR / mo
- Lake
Lake County
$1,082 1BR FMR / mo
- Elkhart
Elkhart County
$992 1BR FMR / mo
- Allen
Allen County
$916 1BR FMR / mo
- Adams
Adams County
$872 1BR FMR / mo
What this shows Adams is highlighted. Nearby Indiana counties by 1-bedroom FMR, highest to lowest: Marion County ($1,267), Hamilton County ($1,267), St. Joseph County ($1,105), Lake County ($1,082), Elkhart County ($992), Allen County ($916), Adams County (this county) ($872).
Can Common Jobs Afford Rent Here?
How a 1-bedroom at $872/mo compares to Indiana salaries for popular occupations (BLS wage data, 30%-of-income rule).
| Occupation | IN Salary | Rent Burden | Verdict |
|---|---|---|---|
| General & Operations Managers | $108,410 | 9.7% | Affordable |
| Software Developers | $103,570 | 10.1% | Affordable |
| Registered Nurses | $80,740 | 13% | Affordable |
| Accountants & Auditors | $77,410 | 13.5% | Affordable |
| Police & Sheriff's Patrol Officers | $71,540 | 14.6% | Affordable |
| Electricians | $65,480 | 16% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $60,090 | 17.4% | Affordable |
| Elementary School Teachers | $58,370 | 17.9% | Affordable |
| Paralegals & Legal Assistants | $50,690 | 20.6% | Affordable |
| Customer Service Representatives | $41,600 | 25.2% | Affordable |
| Pharmacy Technicians | $40,020 | 26.1% | Affordable |
| Janitors & Cleaners | $35,240 | 29.7% | Affordable |
| Teaching Assistants | $30,460 | 34.4% | Stretched |
| Retail Salespersons | $30,300 | 34.5% | Stretched |
| Fast Food & Counter Workers | $28,290 | 37% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Adams County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Adams (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 48.3% overall, from $588 to $872. Most of that movement was gradual except for a single sharp jump of +18.1% in FY 2025, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑12.4% | $695 | $872 | $956 |
| FY 2025 ↑18.1% | $772 | $776 | $928 |
| FY 2024 ↑4.6% | $652 | $657 | $863 |
| FY 2023 ↑11.9% | $576 | $628 | $826 |
| FY 2022 ↑0.2% | $515 | $561 | $738 |
| FY 2021 ↓4.8% | $512 | $560 | $732 |
| FY 2020 | $500 | $588 | $714 |
Part of the Decatur, IN Micro Area
Adams County is a central county of the Decatur, IN micropolitan statistical area.
Nearby Counties in Indiana
Largest counties by population in Indiana
Frequently Asked Questions
What is the average rent in Adams County? ▼
How does Adams County rent compare to the national average? ▼
What income do I need to afford rent in Adams County? ▼
Is rent going up or down in Adams County? ▼
Which jobs can afford rent in Adams County? ▼
How much has rent changed in Adams County over time? ▼
How does Fair Market Rent affect Section 8 vouchers in Adams County? ▼
What does Fair Market Rent mean for Adams County? ▼
What this means for renters
Treat Adams's FY2026 Fair Market Rent as HUD's affordability benchmark, not a market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $872 implies about $34,880/yr to rent without being cost-burdened. Run your numbers
- Compare this county against nearby metros and states before signing a lease. Compare areas
- See where it sits on the national rent map. View rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents in Adams can run higher or lower, and HUD updates FMRs once a year. This page is informational and not financial or relocation advice.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.
Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.