County FMR · HUD FY2026

Okaloosa County Fair Market Rent

HUD's FY2026 Fair Market Rent for Okaloosa County, FL - 65% above the US average.

$1,581
1-bedroom FMR
$1,785
2-bedroom FMR
+13.1%
YoY change
+65%
vs US avg

The verdict

Okaloosa is the 18th most expensive of 67 counties in Florida by 2-bedroom FMR; nationally it ranks #220 most expensive of 3,145 HUD counties; rent here has climbed 13.1% since FY 2025, a sharp move relative to most counties.

#220
most expensive of 3,145 US counties (2BR)
#18
most expensive of 67 in Florida (2BR)
+22%
vs the state average
$63,240
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (15%), while Fast Food and Counter Workers spend the most (67.8%); only 5 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 Okaloosa County, FL. Verify with HUD →

Okaloosa County, Florida carries an FY 2026 1-bedroom Fair Market Rent of $1,581 per month, the federal benchmark HUD publishes for this county. A 2-bedroom costs $1,785/mo and a studio is $1,362/mo. That's 65% above the national benchmark of $959 and 22% above the Florida average of $1,296.

Rent increased13.1% from FY 2025 ($1,398), outpacing inflation. Clearing the 30% rule here takes $63,240/year, a high bar relative to most US counties.

Observed renter burden: 50.1% of the 27,126 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.

FY 2026 HUD Fair Market Rents in Florida. Population: 212,021. Population grew 6.7% over the past five years (Census ACS) - among the faster-growing counties nationally, a trend that typically adds upward pressure on rents. That's in line with Florida's statewide growth of +6.5% over the same period.

FMR filing desk

Area OKALOOSA·COUNTY·FL·FL

Okaloosa County, FL: $1,581/mo 1BR · #220 of 3145 counties (2BR) · FY2026

  • FMR-AREA FL
  • 1BR-FMR $1,581
  • 2BR-FMR $1,785
  • RANK-UPPER #220
  • YOY-SURGE +13.1%
  • VSUS-HIGH +65%
  • VS-ST-HIGH +22% FL
  • INC-MID 24%
  • POP-MID 212K
  • PHOTO-NEAR Miami-Dade County
  • VOUCH-90-110 $1,423–$1,739
  • FY-2026 FY2026

Photo-finish peer: Miami-Dade ($414 1BR gap)

Read with: Understanding rent burden

Fair Market Rents (2026)

Studio
State avg: $1,212 · US avg: $893
$1,362/mo
↑ 11.8% YoY +12% vs state +53% vs US
1 Bedroom
State avg: $1,296 · US avg: $959
$1,581/mo
↑ 13.1% YoY +22% vs state +65% vs US
2 Bedroom
State avg: $1,526 · US avg: $1,175
$1,785/mo
↑ 13.6% YoY +17% vs state +52% vs US
3 Bedroom
State avg: $1,971 · US avg: $1,525
$2,448/mo
↑ 12.1% YoY +24% vs state +61% vs US
4 Bedroom
State avg: $2,261 · US avg: $1,756
$2,979/mo
↑ 12.9% YoY +32% vs state +70% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $1,218
$1,362
+$144 (+11.8%)
1 Bedroom $1,398
$1,581
+$183 (+13.1%)
2 Bedroom $1,571
$1,785
+$214 (+13.6%)
3 Bedroom $2,184
$2,448
+$264 (+12.1%)
4 Bedroom $2,638
$2,979
+$341 (+12.9%)

Rent Burden Analysis

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

Studio
20.7%
Affordable
Need $54,480/yr for 30% rule
1 Bedroom
24%
Affordable
Need $63,240/yr for 30% rule
2 Bedroom
27.1%
Affordable
Need $71,400/yr for 30% rule
3 Bedroom
37.1%
Burdened
Need $97,920/yr for 30% rule
4 Bedroom
45.2%
Burdened
Need $119,160/yr for 30% rule
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.

0%100%National avg22%27.1%
Okaloosa County 2-bedroom rent burden
County median income: $79,097 · National avg burden: 21.7% ·View Florida rent burden →

Where Okaloosa sits among every US county

2-bedroom Fair Market Rent vs. all 3,145 HUD counties

$1,785 Top 7% higher than 93% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). Below this entry. $1,000–$1,200: 723 counties (23%). Below this entry. $1,200–$1,400: 417 counties (13%). Below this entry. $1,400–$1,600: 181 counties (6%). Below this entry. $1,600–$1,800: 172 counties (5%). This entry sits in this band. $1,800–$2,000: 108 counties (3%). Above this entry. $2,000–$2,200: 29 counties (1%). Above this entry. $2,200–$2,400: 40 counties (1%). Above this entry. $2,400–$2,600: 13 counties (0%). Above this entry. $2,600–$2,800: 9 counties (0%). Above this entry. $2,800–$3,000: 15 counties (0%). Above this entry. $3,000–$3,200: 3 counties (0%). Above this entry. $3,200–$3,400: 1 counties (0%). Above this entry. $3,400–$3,600: 1 counties (0%). Above this entry. $3,600–$3,800: 3 counties (0%). Above this entry. $3,800–$4,000: 0 counties (0%). Above this entry. $4,000–$4,200: 0 counties (0%). Above this entry. $4,200–$4,400: 1 counties (0%). Above this entry. This county $600 $4,400 every US county, bucketed by value

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 Okaloosa compares on 1-bedroom rent

1-bedroom FMR vs other Florida counties

1BR FMR / mo

What this shows Okaloosa is highlighted. Nearby Florida counties by 1-bedroom FMR, highest to lowest: Miami-Dade County ($1,995), Palm Beach County ($1,901), Broward County ($1,900), Orange County ($1,731), Hillsborough County ($1,696), Okaloosa County (this county) ($1,581), Duval County ($1,382).

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

Can Common Jobs Afford Rent Here?

Against a high local FMR of $1,581/mo, which of 15 common occupations still clear the 30% line using Florida BLS wages?

Occupation FL Salary Rent Burden Verdict
Software Developers $126,550 15% Affordable
General & Operations Managers $100,750 18.8% Affordable
Registered Nurses $82,850 22.9% Affordable
Accountants & Auditors $78,470 24.2% Affordable
Police & Sheriff's Patrol Officers $76,190 24.9% Affordable
Paralegals & Legal Assistants $60,280 31.5% Stretched
Elementary School Teachers $55,550 34.2% Stretched
Electricians $53,100 35.7% Stretched
Heavy & Tractor-Trailer Truck Drivers $50,000 37.9% Stretched
Pharmacy Technicians $39,640 47.9% Stretched
Customer Service Representatives $38,890 48.8% Stretched
Retail Salespersons $31,950 59.4% Unaffordable
Janitors & Cleaners $31,540 60.2% Unaffordable
Teaching Assistants $30,230 62.8% Unaffordable
Fast Food & Counter Workers $27,990 67.8% Unaffordable
Salaries: BLS OES (Florida) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Okaloosa (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 66.9% overall, from $947 to $1,581. Most of that movement was gradual except for a single sharp jump of +17.1% in FY 2024, well above this county's typical year-to-year change.

$800$1,000$1,200$1,400$1,600$1,800 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $1,581
Okaloosa County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑13.1% $1,362 $1,581 $1,785
FY 2025 ↑6.0% $1,218 $1,398 $1,571
FY 2024 ↑17.1% $1,211 $1,319 $1,526
FY 2023 ↑14.1% $1,058 $1,126 $1,314
FY 2022 ↑0.4% $981 $987 $1,172
FY 2021 ↑3.8% $977 $983 $1,168
FY 2020 $941 $947 $1,116
Total change (6yr): +66.9%
Annualized: +8.9%/yr
1 BR: $947 → $1,581

Part of the Crestview-Fort Walton Beach-Destin, FL Metro Area

Okaloosa County is a central county of the Crestview-Fort Walton Beach-Destin, FL metropolitan statistical area, alongside 1 other metro-area county.

Okaloosa County ranks #1 of 2 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Okaloosa County (this county) ($1,581), Walton County ($1,244).

Okaloosa County (this county)
1 BR: $1,581/mo
Walton County
1 BR: $1,244/mo

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Okaloosa County, both outside Florida 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 FL (FY2026).

Deschutes County
OR · 2 BR $1,784/mo
Charleston County
SC · 2 BR $1,787/mo
Berkeley County
SC · 2 BR $1,787/mo
Dorchester County
SC · 2 BR $1,787/mo

Similar rent burden

Nearest 2BR FMR as a share of median household income (outside FL).

Bolivar County
MS · 27.1% of income · 2 BR $842/mo
Drew County
AR · 27.1% of income · 2 BR $927/mo
Shoshone County
ID · 27.1% of income · 2 BR $1,128/mo
Aroostook County
ME · 27.1% of income · 2 BR $1,224/mo

Nearby Counties in Florida

Largest counties by population in Florida

Showing the 8 largest of 66 other counties in Florida.

Miami-Dade County
1 BR: $1,995/mo Pop: 2,688,237
Broward County
1 BR: $1,900/mo Pop: 1,940,907
Palm Beach County
1 BR: $1,901/mo Pop: 1,494,805
Hillsborough County
1 BR: $1,696/mo Pop: 1,468,560
Orange County
1 BR: $1,731/mo Pop: 1,427,403
Duval County
1 BR: $1,382/mo Pop: 995,708
Pinellas County
1 BR: $1,696/mo Pop: 959,918
Lee County
1 BR: $1,638/mo Pop: 772,902
View all counties in Florida →

Frequently Asked Questions

What is the average rent in Okaloosa County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Okaloosa County is $1,581 per month. A 2-bedroom is $1,785 and a studio is $1,362.
How does Okaloosa County rent compare to the national average? ▼
Rent in Okaloosa County is 65% above the national average. A 1-bedroom here costs $1,581 compared to $959 nationally.
Where does Okaloosa County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Okaloosa County's 2-bedroom FMR of $1,785 ranks #220 most expensive among 3,145 HUD counties, placing it in the highest-rent tenth of HUD counties.
What income do I need to afford rent in Okaloosa County? ▼
Based on the 30% affordability rule, you need an annual income of at least $63,240 ($5,270/month) to afford a 1-bedroom at Fair Market Rent in Okaloosa County.
Is rent going up or down in Okaloosa County? ▼
The 1-bedroom Fair Market Rent in Okaloosa County increased by 13.1% from FY 2025 to FY 2026, going from $1,398 to $1,581.
Which jobs can afford rent in Okaloosa County? ▼
Based on Florida BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $1,581/mo. 5 of 15 common occupations are affordable here.
How much has rent changed in Okaloosa County over time? ▼
The 1-bedroom Fair Market Rent in Okaloosa County went from $947 in FY 2020 to $1,581 in FY 2026, a total change of +66.9% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Okaloosa County? ▼
In Okaloosa County, the FY 2026 FMR of $1,581/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 Okaloosa County? ▼
For Okaloosa County, it's the specific 40th-percentile rent HUD publishes each year ($1,581/mo for a 1-bedroom in FY 2026).

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
  • HUD Fair Market Rents (FMR) - county-level fair-market rent estimates by bedroom count. huduser.gov/datasets/fmr
  • HUD Income Limits - area median income for affordability calculations. huduser.gov/datasets/il
  • HUD Comprehensive Housing Affordability Strategy (CHAS) - rent burden and housing-cost distribution. huduser.gov/datasets/cp
  • U.S. Census Bureau ACS - county and metro housing characteristics + median rent. census.gov/programs-surveys/acs
  • BLS Consumer Price Index, Rent of Primary Residence - rent inflation by metro. bls.gov/cpi
  • IRS Migration Data (SOI) - interstate migration aggregates affecting county demand. irs.gov/statistics/migration
  • BLS Occupational Employment and Wage Statistics - state-level median wages by occupation, used for job affordability analysis. bls.gov/oes

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.