County FMR · HUD FY2026

Graham County Fair Market Rent

HUD's FY2026 Fair Market Rent for Graham County, AZ — 3% above the US average.

$991
1-bedroom FMR
$1,244
2-bedroom FMR
-0.3%
YoY change
+3%
vs US avg

FY 2026 HUD Fair Market Rent for Graham County, AZ. Verify with HUD →

The Fair Market Rent for a 1-bedroom apartment in Graham County, Arizona is $991 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,244/mo and a studio is $887/mo.

This is 3% higher than the national average of $959 and 14% below the Arizona average of $1,151. Rent decreased0.3% from FY 2025 ($994), roughly tracking inflation. To afford rent here, a household needs at least $39,640/year based on the 30% affordability rule.

FY 2026 HUD Fair Market Rents in Arizona. Population: 38,453.

What these rents mean for Graham County

HUD's FY 2026 Fair Market Rent schedule sets the Graham County Arizona 1-bedroom at $991, with a studio at $887, 2-bedroom at $1,244, 3-bedroom at $1,669, and 4-bedroom at $2,087. These figures represent the 40th percentile of gross rents — meaning 60% of standard-quality rental units in this HUD area cost more. The Graham County FMR area applies to all ZIP codes inside the county boundary, and Arizona's housing authorities use it as the baseline when setting Section 8 Housing Choice Voucher payment standards (typically 90%–110% of FMR).

Compared to the rest of the country, a 1-bedroom here is 3% above the US average of $959 and 14% lower than the Arizona state average of $1,151. Year-over-year, the 1-bedroom FMR moved from $994 in FY 2025 to $991 in FY 2026 — a change of -0.3%, which tracks roughly with broader price trends.

For budgeting, the traditional 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $991, that implies a household income of $39,640 per year (about $3,303/month) to stay affordable — a 2-bedroom at $1,244 pushes that threshold even higher. With a population of 38,453 and a county median household income of $67,326, the arithmetic here directly shapes which wage earners can rent without being cost-burdened. Rent-burdened households (paying more than 30% of income) and severely burdened households (above 50%) face a sharply higher risk of housing instability, and this county's numbers set the benchmark for assessing that risk.

Fair Market Rents (2026)

Studio
State avg: $1,053 · US avg: $893
$887/mo
↓ 9.9% YoY -16% vs state -1% vs US
1 Bedroom
State avg: $1,151 · US avg: $959
$991/mo
↓ 0.3% YoY -14% vs state +3% vs US
2 Bedroom
State avg: $1,419 · US avg: $1,175
$1,244/mo
↓ 1.2% YoY -12% vs state +6% vs US
3 Bedroom
State avg: $1,889 · US avg: $1,525
$1,669/mo
↓ 2.0% YoY -12% vs state +9% vs US
4 Bedroom
State avg: $2,158 · US avg: $1,756
$2,087/mo
↓ 1.3% YoY -3% vs state +19% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $985 $887 $-98 (-9.9%)
1 Bedroom $994 $991 $-3 (-0.3%)
2 Bedroom $1,259 $1,244 $-15 (-1.2%)
3 Bedroom $1,703 $1,669 $-34 (-2.0%)
4 Bedroom $2,114 $2,087 $-27 (-1.3%)

Affordability Snapshot

Based on the standard that rent should not exceed 30% of gross income:

Required annual income for 1 BR
$39,640
$3,303/month gross
Required annual income for 2 BR
$49,760
$4,147/month gross

Rent Burden Analysis

How much of household income goes to rent in Graham County. The 30% threshold indicates cost burden.

Studio
15.8%
Affordable
Need $35,480/yr for 30% rule
1 Bedroom
17.7%
Affordable
Need $39,640/yr for 30% rule
2 Bedroom
22.2%
Affordable
Need $49,760/yr for 30% rule
3 Bedroom
29.7%
Affordable
Need $66,760/yr for 30% rule
4 Bedroom
37.2%
Burdened
Need $83,480/yr for 30% rule
County median income: $67,326 · National avg burden: 21.7% ·View Arizona rent burden →

How Graham compares on 1-bedroom rent

1-bedroom FMR vs other Arizona counties

1BR FMR / mo

What this shows Graham is highlighted. Bars are FY2026 HUD 1-bedroom Fair Market Rents.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

How a 1-bedroom at $991/mo compares to Arizona salaries for popular occupations (30% rule).

Occupation AZ Salary Rent Burden Verdict
Software Developers $128,690 9.2% Affordable
Registered Nurses $96,890 12.3% Affordable
General & Operations Managers $90,000 13.2% Affordable
Police & Sheriff's Patrol Officers $79,370 15% Affordable
Accountants & Auditors $78,620 15.1% Affordable
Paralegals & Legal Assistants $61,220 19.4% Affordable
Electricians $59,480 20% Affordable
Heavy & Tractor-Trailer Truck Drivers $53,690 22.1% Affordable
Elementary School Teachers $50,980 23.3% Affordable
Pharmacy Technicians $47,620 25% Affordable
Customer Service Representatives $43,440 27.4% Affordable
Janitors & Cleaners $36,140 32.9% Stretched
Retail Salespersons $35,320 33.7% Stretched
Teaching Assistants $34,550 34.4% Stretched
Fast Food & Counter Workers $33,060 36% Stretched
Salaries: BLS OES (Arizona) median · 30% = affordable threshold · Try the salary calculator →

7-year Fair Market Rent history for Graham County. Shows how HUD rental rates have changed over time.

Year Studio 1 BR 2 BR
FY 2026 ↓0.3% $887 $991 $1,244
FY 2025 ↑6.5% $985 $994 $1,259
FY 2024 ↑9.8% $928 $933 $1,157
FY 2023 ↑3.2% $845 $850 $1,026
FY 2022 ↑6.9% $821 $824 $957
FY 2021 ↑6.1% $722 $771 $898
FY 2020 $590 $727 $853
Total change (6yr): +36.3%
Annualized: +5.3%/yr
1 BR: $727 → $991

Nearby Counties in Arizona

Largest counties by population in Arizona

Frequently Asked Questions

What is the average rent in Graham County?
The FY 2026 Fair Market Rent for a 1-bedroom in Graham County is $991 per month. A 2-bedroom is $1,244 and a studio is $887.
How does Graham County rent compare to the national average?
Rent in Graham County is 3% above the national average. A 1-bedroom here costs $991 compared to $959 nationally.
What income do I need to afford rent in Graham County?
Based on the 30% affordability rule, you need an annual income of at least $39,640 ($3,303/month) to afford a 1-bedroom at Fair Market Rent in Graham County.
Is rent going up or down in Graham County?
The 1-bedroom Fair Market Rent in Graham County decreased by 0.3% from FY 2025 to FY 2026, going from $994 to $991.
Which jobs can afford rent in Graham County?
Based on Arizona BLS salary data and the 30% affordability rule, jobs like Software Developers, Registered Nurses, General and Operations Managers can afford a 1-bedroom at $991/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Graham County over time?
The 1-bedroom Fair Market Rent in Graham County went from $727 in FY 2020 to $991 in FY 2026, a total change of +36.3% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Graham County?
HUD uses Fair Market Rents to set maximum payment standards for Housing Choice Vouchers (Section 8) in Graham County. The FY 2026 FMR of $991/mo for a 1-bedroom sets the baseline — local housing authorities can set their payment standard between 90% and 110% of FMR.
What does Fair Market Rent mean for Graham County?
Fair Market Rent (FMR) is the 40th percentile rent estimate set by HUD for Graham County. It includes rent plus the cost of utilities (except telephone). FMR is used to determine housing assistance payment amounts, set rent ceilings for certain HUD programs, and evaluate housing affordability.

Rental Guides

Explore more rent data

More HUD Fair Market Rent tools and rankings for Graham County and beyond.

Data Sources

Primary source: U.S. Department of Housing and Urban Development (HUD), FY 2026 Fair Market Rents. FMRs represent the 40th percentile of gross rents for standard quality units in each area.

Affordability data: Income-to-rent ratios calculated using the 30% affordability standard. Population and income data from U.S. Census Bureau American Community Survey (ACS) estimates.

Salary data: Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics, used for job affordability analysis.

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.

All federal data sources used on this page