County FMR · HUD FY2026
Gibson County Fair Market Rent
HUD's FY2026 Fair Market Rent for Gibson County, TN - 26% below the US average.
- $706
- 1-bedroom FMR
- $927
- 2-bedroom FMR
- -0.4%
- YoY change
- -26%
- vs US avg
The verdict
Gibson is the 36th cheapest of 95 counties in Tennessee by 2-bedroom FMR; nationally it ranks #661 most affordable of 3,145 HUD counties.
- #661
- most affordable of 3,145 US counties (2BR)
- #36
- cheapest of 95 in Tennessee (2BR)
- -24%
- vs the state average
- $28,240
- income to afford it (30% rule)
Software Developers spend the smallest share of income on rent here (7.2%), while Fast Food and Counter Workers spend the most (30.4%); 13 of 15 common occupations here can afford a 1-bedroom at Fair Market Rent without exceeding the 30% threshold.
FY 2026 HUD Fair Market Rent for Gibson County, TN. Verify with HUD →
HUD sets the FY 2026 1-bedroom Fair Market Rent for Gibson County, Tennessee at $706 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $927/mo and a studio is $645/mo. This is 26% lower than the national average of $959 and 24% below the Tennessee average of $924.
Rent decreased0.4% from FY 2025 ($709), roughly tracking inflation. The 30% affordability floor is comparatively reachable here at $28,240/year.
FY 2026 HUD Fair Market Rents in Tennessee. Population: 50,455. Population has held roughly steady over the past five years (+2.9%, Census ACS). That's slower than Tennessee's statewide growth of +5.0% over the same period.
What these rents mean for Gibson 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, Gibson County's 2-bedroom of $927 ranks #661 most affordable of 3,145 US counties, in the lower-rent quarter of HUD counties.
This is a below-average rent market: 1-bedroom FMR is 26% under the US average of $959 and 24% below Tennessee's $924. HUD's 1-bedroom figure shifted from $709 (FY 2025) to $706 (FY 2026), a -0.4% move that keeps the below-average posture intact.
A 1-bedroom at $706 needs $28,240/year under the 30% rule against a county median of $59,009, and the median household clears that line with room to spare. A 2-bedroom at $927 is the next step up.
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $672 | $645 | $-27 (-4.0%) |
| 1 Bedroom | $709 | $706 | $-3 (-0.4%) |
| 2 Bedroom | $904 | $927 | +$23 (+2.5%) |
| 3 Bedroom | $1,267 | $1,289 | +$22 (+1.7%) |
| 4 Bedroom | $1,517 | $1,555 | +$38 (+2.5%) |
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 Gibson 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 Gibson sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$927 higher than 21% 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 Gibson compares on 1-bedroom rent
1-bedroom FMR vs other Tennessee counties
- Davidson
Davidson County
$1,578 1BR FMR / mo
- Rutherford
Rutherford County
$1,578 1BR FMR / mo
- Williamson
Williamson County
$1,578 1BR FMR / mo
- Hamilton
Hamilton County
$1,263 1BR FMR / mo
- Knox
Knox County
$1,184 1BR FMR / mo
- Shelby
Shelby County
$1,154 1BR FMR / mo
- Gibson
Gibson County
$706 1BR FMR / mo
What this shows Gibson is highlighted. Nearby Tennessee counties by 1-bedroom FMR, highest to lowest: Davidson County ($1,578), Rutherford County ($1,578), Williamson County ($1,578), Hamilton County ($1,263), Knox County ($1,184), Shelby County ($1,154), Gibson County (this county) ($706).
Can Common Jobs Afford Rent Here?
With a below-average 1-bedroom at $706/mo, most of these Tennessee occupations clear, or miss, the 30% affordability line.
| Occupation | TN Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $117,340 | 7.2% | Affordable |
| General & Operations Managers | $102,850 | 8.2% | Affordable |
| Registered Nurses | $79,030 | 10.7% | Affordable |
| Accountants & Auditors | $75,500 | 11.2% | Affordable |
| Police & Sheriff's Patrol Officers | $59,410 | 14.3% | Affordable |
| Electricians | $59,190 | 14.3% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $55,610 | 15.2% | Affordable |
| Paralegals & Legal Assistants | $55,270 | 15.3% | Affordable |
| Elementary School Teachers | $52,690 | 16.1% | Affordable |
| Customer Service Representatives | $40,130 | 21.1% | Affordable |
| Pharmacy Technicians | $38,130 | 22.2% | Affordable |
| Janitors & Cleaners | $31,220 | 27.1% | Affordable |
| Retail Salespersons | $30,770 | 27.5% | Affordable |
| Teaching Assistants | $28,030 | 30.2% | Stretched |
| Fast Food & Counter Workers | $27,840 | 30.4% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Gibson County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Gibson (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 21.1% overall, from $583 to $706. Rent fell in 4 of the last 6 tracked years, including a 19.3% drop in FY 2024 - an unusual multi-year softening rather than the steady increases seen in most US counties.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↓0.4% | $645 | $706 | $927 |
| FY 2025 ↓1.8% | $672 | $709 | $904 |
| FY 2024 ↑19.3% | $654 | $722 | $861 |
| FY 2023 ↑6.3% | $556 | $605 | $747 |
| FY 2022 ↓0.2% | $470 | $569 | $708 |
| FY 2021 ↓2.2% | $521 | $570 | $672 |
| FY 2020 | $504 | $583 | $664 |
Part of the Jackson, TN Metro Area
Gibson County is a outlying county of the Jackson, TN metropolitan statistical area, alongside 3 other metro-area counties.
Gibson County ranks #4 of 4 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Madison County ($960), Chester County ($960), Crockett County ($842), Gibson County (this county) ($706).
Nearby Counties in Tennessee
Largest counties by population in Tennessee
Frequently Asked Questions
What is the average rent in Gibson County? ▼
How does Gibson County rent compare to the national average? ▼
Where does Gibson County rank nationally for Fair Market Rent? ▼
What income do I need to afford rent in Gibson County? ▼
Is rent going up or down in Gibson County? ▼
Which jobs can afford rent in Gibson County? ▼
How much has rent changed in Gibson County over time? ▼
How does Fair Market Rent affect Section 8 vouchers in Gibson County? ▼
What does Fair Market Rent mean for Gibson County? ▼
What this means for renters
Treat Gibson'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 $706 implies about $28,240/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 Gibson 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.