County FMR · HUD FY2026
Elkhart County Fair Market Rent
HUD's FY2026 Fair Market Rent for Elkhart County, IN - 3% above the US average.
- $992
- 1-bedroom FMR
- $1,183
- 2-bedroom FMR
- +14.2%
- YoY change
- +3%
- vs US avg
The verdict
Elkhart is the 24th most expensive of 92 counties in Indiana by 2-bedroom FMR; nationally it ranks #1,038 most expensive of 3,145 HUD counties; rent here has climbed 14.2% since FY 2025, a sharp move relative to most counties.
- #1,038
- most expensive of 3,145 US counties (2BR)
- #24
- most expensive of 92 in Indiana (2BR)
- +12%
- vs the state average
- $39,680
- income to afford it (30% rule)
General and Operations Managers spend the smallest share of income on rent here (11%), while Fast Food and Counter Workers spend the most (42.1%).
FY 2026 HUD Fair Market Rent for Elkhart County, IN. Verify with HUD →
The Fair Market Rent for a 1-bedroom apartment in Elkhart County, Indiana is $992 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,183/mo and a studio is $968/mo. This is 3% higher than the national average of $959 and 12% above the Indiana average of $882.
Rent increased14.2% from FY 2025 ($869), outpacing inflation. Under the 30% rule, affordability starts near $39,680/year for a 1-bedroom.
FY 2026 HUD Fair Market Rents in Indiana. Population: 206,841. Population has held roughly steady over the past five years (+1.6%, Census ACS). That's in line with Indiana's statewide growth of +2.6% over the same period.
What these rents mean for Elkhart County
HUD publishes one FMR schedule per FMR area (often the county). Local housing authorities use it as the Section 8 Housing Choice Voucher payment-standard baseline. See how FMR is calculated.
According to HUD's FY 2026 Fair Market Rent schedule, Elkhart County's 2-bedroom of $1,183 ranks #1,038 most expensive of 3,145 US counties, in the middle half of HUD counties.
Elkhart County's 1-bedroom FMR tracks close to the national mid-point (3% above the US average of $959), while sitting 12% above the Indiana average of $882. Year-over-year, the 1-bedroom FMR moved from$869 in FY 2025 to $992 in FY 2026, a change of +14.2%, which outpaces typical consumer inflation.
At the FY 2026 1-bedroom FMR of $992, the 30% rule points to $39,680/year (about $3,307/month) versus this county's median household income of $65,617. A 2-bedroom at $1,183 pushes the threshold higher.
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $853 | $968 | +$115 (+13.5%) |
| 1 Bedroom | $869 | $992 | +$123 (+14.2%) |
| 2 Bedroom | $1,055 | $1,183 | +$128 (+12.1%) |
| 3 Bedroom | $1,374 | $1,553 | +$179 (+13.0%) |
| 4 Bedroom | $1,399 | $1,581 | +$182 (+13.0%) |
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 Elkhart 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.
Where Elkhart sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$1,183 Top 33% higher than 67% 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 Elkhart 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
- Tippecanoe
Tippecanoe County
$1,032 1BR FMR / mo
- Elkhart
Elkhart County
$992 1BR FMR / mo
- Allen
Allen County
$916 1BR FMR / mo
What this shows Elkhart 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), Tippecanoe County ($1,032), Elkhart County (this county) ($992), Allen County ($916).
Can Common Jobs Afford Rent Here?
How a 1-bedroom at $992/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 | 11% | Affordable |
| Software Developers | $103,570 | 11.5% | Affordable |
| Registered Nurses | $80,740 | 14.7% | Affordable |
| Accountants & Auditors | $77,410 | 15.4% | Affordable |
| Police & Sheriff's Patrol Officers | $71,540 | 16.6% | Affordable |
| Electricians | $65,480 | 18.2% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $60,090 | 19.8% | Affordable |
| Elementary School Teachers | $58,370 | 20.4% | Affordable |
| Paralegals & Legal Assistants | $50,690 | 23.5% | Affordable |
| Customer Service Representatives | $41,600 | 28.6% | Affordable |
| Pharmacy Technicians | $40,020 | 29.7% | Affordable |
| Janitors & Cleaners | $35,240 | 33.8% | Stretched |
| Teaching Assistants | $30,460 | 39.1% | Stretched |
| Retail Salespersons | $30,300 | 39.3% | Stretched |
| Fast Food & Counter Workers | $28,290 | 42.1% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Elkhart County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Elkhart (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 57.5% overall, from $630 to $992. Most of that movement was gradual except for a single sharp jump of +14.4% in FY 2023, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑14.2% | $968 | $992 | $1,183 |
| FY 2025 ↓1.1% | $853 | $869 | $1,055 |
| FY 2024 ↑14.2% | $849 | $879 | $1,102 |
| FY 2023 ↑14.4% | $734 | $770 | $986 |
| FY 2022 ↑5.2% | $597 | $673 | $865 |
| FY 2021 ↑1.6% | $545 | $640 | $825 |
| FY 2020 | $532 | $630 | $817 |
Part of the Elkhart-Goshen, IN Metro Area
Elkhart County is a central county of the Elkhart-Goshen, IN metropolitan statistical area.
Nearby Counties in Indiana
Largest counties by population in Indiana
Frequently Asked Questions
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What this means for renters
Treat Elkhart'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 $992 implies about $39,680/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 Elkhart 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.