County FMR · HUD FY2026
Loudon County Fair Market Rent
HUD's FY2026 Fair Market Rent for Loudon County, TN - 23% above the US average.
- $1,184
- 1-bedroom FMR
- $1,471
- 2-bedroom FMR
- -6.3%
- YoY change
- +23%
- vs US avg
The verdict
Loudon is the 12th most expensive of 95 counties in Tennessee by 2-bedroom FMR; nationally it ranks #503 most expensive of 3,145 HUD counties; rent here has fallen 6.3% since FY 2025, a modest shift relative to most counties.
- #503
- most expensive of 3,145 US counties (2BR)
- #12
- most expensive of 95 in Tennessee (2BR)
- +28%
- vs the state average
- $47,360
- income to afford it (30% rule)
Software Developers spend the smallest share of income on rent here (12.1%), while Fast Food and Counter Workers spend the most (51%).
FY 2026 HUD Fair Market Rent for Loudon County, TN. Verify with HUD →
HUD sets the FY 2026 1-bedroom Fair Market Rent for Loudon County, Tennessee at $1,184 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $1,471/mo and a studio is $1,177/mo. This is 23% higher than the national average of $959 and 28% above the Tennessee average of $924.
Rent decreased6.3% from FY 2025 ($1,264), declining against the trend. A household needs about $47,360/year to stay under the 30% rent-to-income line.
Observed renter burden: 34.5% of the 4,466 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from HUD's FY2026 Fair Market Rent benchmark above.
Market slack: The ACS rental vacancy rate here is 3.8%, a tight rental market where HUD's annual FMR schedule can lag what landlords are actually asking.
Local labor market: The county's BLS unemployment rate has averaged 3.2% over the past 12 months, a tight labor market that typically supports steadier rent demand.
FY 2026 HUD Fair Market Rents in Tennessee. Population: 55,507. Population grew 10.4% over the past five years (Census ACS) - among the faster-growing counties nationally, a trend that typically adds upward pressure on rents. That's faster than Tennessee's statewide growth of +5.0% over the same period.
FMR filing desk
Area LOUDON·COUNTY·TN·TN
Loudon County, TN: $1,184/mo 1BR · #503 of 3145 counties (2BR) · FY2026
- FMR-AREA TN
- 1BR-FMR $1,184
- 2BR-FMR $1,471
- RANK-MID #503
- YOY-DOWN -6.3%
- VSUS-ABOVE +23%
- VS-ST-HIGH +28% TN
- INC-ROOM 18%
- POP-MID 56K
- PHOTO-NEAR Shelby County
- VOUCH-90-110 $1,066–$1,302
- FY-2026 FY2026
Photo-finish peer: Shelby ($30 1BR gap)
Read with: Understanding rent burden
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $1,256 | $1,177 | $-79 (-6.3%) |
| 1 Bedroom | $1,264 | $1,184 | $-80 (-6.3%) |
| 2 Bedroom | $1,548 | $1,471 | $-77 (-5.0%) |
| 3 Bedroom | $1,989 | $1,864 | $-125 (-6.3%) |
| 4 Bedroom | $2,335 | $2,172 | $-163 (-7.0%) |
Rent Burden Analysis
How much of household income goes to rent in Loudon 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 Loudon sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$1,471 Top 16% higher than 84% 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 Loudon 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
- Loudon
Loudon County
$1,184 1BR FMR / mo
- Knox
Knox County
$1,184 1BR FMR / mo
- Shelby
Shelby County
$1,154 1BR FMR / mo
What this shows Loudon 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), Loudon County (this county) ($1,184), Knox County ($1,184), Shelby County ($1,154).
Can Common Jobs Afford Rent Here?
Against a high local FMR of $1,184/mo, which of 15 common occupations still clear the 30% line using Tennessee BLS wages?
| Occupation | TN Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $117,340 | 12.1% | Affordable |
| General & Operations Managers | $102,850 | 13.8% | Affordable |
| Registered Nurses | $79,030 | 18% | Affordable |
| Accountants & Auditors | $75,500 | 18.8% | Affordable |
| Police & Sheriff's Patrol Officers | $59,410 | 23.9% | Affordable |
| Electricians | $59,190 | 24% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $55,610 | 25.5% | Affordable |
| Paralegals & Legal Assistants | $55,270 | 25.7% | Affordable |
| Elementary School Teachers | $52,690 | 27% | Affordable |
| Customer Service Representatives | $40,130 | 35.4% | Stretched |
| Pharmacy Technicians | $38,130 | 37.3% | Stretched |
| Janitors & Cleaners | $31,220 | 45.5% | Stretched |
| Retail Salespersons | $30,770 | 46.2% | Stretched |
| Teaching Assistants | $28,030 | 50.7% | Unaffordable |
| Fast Food & Counter Workers | $27,840 | 51% | Unaffordable |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Loudon County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Loudon (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 59.6% overall, from $742 to $1,184. The path there hasn't been smooth: year-over-year moves have swung by as much as 26.4% (FY 2025), a volatility pattern that makes single-year comparisons a poor guide to the underlying trend.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↓6.3% | $1,177 | $1,184 | $1,471 |
| FY 2025 ↑26.4% | $1,256 | $1,264 | $1,548 |
| FY 2024 ↑5.0% | $985 | $1,000 | $1,221 |
| FY 2023 ↑19.0% | $887 | $952 | $1,156 |
| FY 2022 ↑9.7% | $717 | $800 | $980 |
| FY 2021 ↓1.8% | $624 | $729 | $896 |
| FY 2020 | $624 | $742 | $915 |
Part of the Knoxville, TN Metro Area
Loudon County is a central county of the Knoxville, TN metropolitan statistical area, alongside 8 other metro-area counties.
Loudon County ranks #5 of 9 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Knox County ($1,184), Blount County ($1,184), Anderson County ($1,184), Union County ($1,184), Loudon County (this county) ($1,184), Roane County ($918), Morgan County ($753), Campbell County ($722), Grainger County ($717).
Nationwide peers by 2BR FMR & rent burden
Two PlainRent-derived comparison paths for Loudon County, both outside Tennessee so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.
Similar 2-bedroom FMR
Nearest HUD 2BR Fair Market Rents outside TN (FY2026).
Similar rent burden
Nearest 2BR FMR as a share of median household income (outside TN).
Nearby Counties in Tennessee
Largest counties by population in Tennessee
Showing the 8 largest of 94 other counties in Tennessee.
Frequently Asked Questions
What is the average rent in Loudon County?
The FY 2026 Fair Market Rent for a 1-bedroom in Loudon County is $1,184 per month. A 2-bedroom is $1,471 and a studio is $1,177.
How does Loudon County rent compare to the national average?
Rent in Loudon County is 23% above the national average. A 1-bedroom here costs $1,184 compared to $959 nationally.
Where does Loudon County rank nationally for Fair Market Rent?
According to HUD's FY 2026 Fair Market Rent schedule, Loudon County's 2-bedroom FMR of $1,471 ranks #503 most expensive among 3,145 HUD counties, placing it in the upper-rent quarter of HUD counties.
What income do I need to afford rent in Loudon County?
Based on the 30% affordability rule, you need an annual income of at least $47,360 ($3,947/month) to afford a 1-bedroom at Fair Market Rent in Loudon County.
Is rent going up or down in Loudon County?
The 1-bedroom Fair Market Rent in Loudon County decreased by 6.3% from FY 2025 to FY 2026, going from $1,264 to $1,184.
Which jobs can afford rent in Loudon County?
Based on Tennessee BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $1,184/mo. 9 of 15 common occupations are affordable here.
How much has rent changed in Loudon County over time?
The 1-bedroom Fair Market Rent in Loudon County went from $742 in FY 2020 to $1,184 in FY 2026, a total change of +59.6% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Loudon County?
In Loudon County, the FY 2026 FMR of $1,184/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Loudon County?
For Loudon County, it's the specific 40th-percentile rent HUD publishes each year ($1,184/mo for a 1-bedroom in FY 2026).
Is the rental market tight or loose in Loudon County?
The ACS rental vacancy rate here is 3.8%, a tight rental market where HUD's annual FMR schedule can lag what landlords are actually asking.
What is the unemployment rate in Loudon County?
The county's BLS unemployment rate has averaged 3.2% over the past 12 months, a tight labor market that typically supports steadier rent demand.
Data sources
What this means for renters
Treat Loudon's FY2026 Fair Market Rent as HUD's affordability benchmark, not a single market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $1,184 implies about $47,360/yr to rent without being cost-burdened. Run your numbers
- Tennessee counties vary widely around this figure - compare specific counties before assuming this applies to yours. Compare vs Shelby
- See where Loudon ranks nationally on rent. National rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents can run higher or lower, and HUD updates FMRs once a year. This site is informational and not financial or relocation advice.
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.