County FMR · HUD FY2026

Otsego County Fair Market Rent

HUD's FY2026 Fair Market Rent for Otsego County, MI - 11% below the US average.

$858
1-bedroom FMR
$1,100
2-bedroom FMR
+10.9%
YoY change
-11%
vs US avg

The verdict

Otsego is the 32nd most expensive of 83 counties in Michigan by 2-bedroom FMR; nationally it ranks #1,289 most expensive of 3,145 HUD counties; rent here has climbed 10.9% since FY 2025, a sharp move relative to most counties.

#1,289
most expensive of 3,145 US counties (2BR)
#32
most expensive of 83 in Michigan (2BR)
-4%
vs the state average
$34,320
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (9.5%), while Fast Food and Counter Workers spend the most (35.7%); nearby Michigan counties range as much as 62% apart in 1-bedroom FMR, so the county line itself can matter for renters comparing options.

FY 2026 HUD Fair Market Rent for Otsego County, MI. Verify with HUD →

HUD sets the FY 2026 1-bedroom Fair Market Rent for Otsego County, Michigan at $858 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $1,100/mo and a studio is $852/mo. This is 11% lower than the national average of $959 and 4% below the Michigan average of $891.

Rent increased10.9% from FY 2025 ($774), outpacing inflation. Under the 30% rule, affordability starts near $34,320/year for a 1-bedroom.

Observed renter burden: 48.7% of the 2,419 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 Michigan. Population: 25,221. Population has held roughly steady over the past five years (+3.9%, Census ACS). That's faster than Michigan's statewide growth of +0.9% over the same period.

FMR filing desk

Area OTSEGO·COUNTY·MI·MI

Otsego County, MI: $858/mo 1BR · #1289 of 3145 counties (2BR) · FY2026

  • FMR-AREA MI
  • 1BR-FMR $858
  • 2BR-FMR $1,100
  • RANK-MID #1,289
  • YOY-SURGE +10.9%
  • VSUS-BELOW -11%
  • VS-ST-NEAR -4% MI
  • INC-ROOM 15%
  • POP-SMALL 25K
  • PHOTO-NEAR Wayne County
  • VOUCH-90-110 $772–$944
  • FY-2026 FY2026

Photo-finish peer: Wayne ($264 1BR gap)

Read with: How Fair Market Rent works

Fair Market Rents (2026)

Studio
State avg: $807 · US avg: $893
$852/mo
↑ 10.8% YoY +6% vs state -5% vs US
1 Bedroom
State avg: $891 · US avg: $959
$858/mo
↑ 10.9% YoY -4% vs state -11% vs US
2 Bedroom
State avg: $1,113 · US avg: $1,175
$1,100/mo
↑ 10.6% YoY -1% vs state -6% vs US
3 Bedroom
State avg: $1,419 · US avg: $1,525
$1,445/mo
↑ 8.3% YoY +2% vs state -5% vs US
4 Bedroom
State avg: $1,588 · US avg: $1,756
$1,560/mo
↑ 1.4% YoY -2% vs state -11% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $769
$852
+$83 (+10.8%)
1 Bedroom $774
$858
+$84 (+10.9%)
2 Bedroom $995
$1,100
+$105 (+10.6%)
3 Bedroom $1,334
$1,445
+$111 (+8.3%)
4 Bedroom $1,539
$1,560
+$21 (+1.4%)

Rent Burden Analysis

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

Studio
15.2%
Affordable
Need $34,080/yr for 30% rule
1 Bedroom
15.3%
Affordable
Need $34,320/yr for 30% rule
2 Bedroom
19.6%
Affordable
Need $44,000/yr for 30% rule
3 Bedroom
25.8%
Affordable
Need $57,800/yr for 30% rule
4 Bedroom
27.8%
Affordable
Need $62,400/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%19.6%
Otsego County 2-bedroom rent burden
County median income: $67,285 · National avg burden: 21.7% ·View Michigan rent burden →

Where Otsego sits among every US county

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

$1,100 higher than 59% 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%). This entry sits in this band. $1,200–$1,400: 417 counties (13%). Above this entry. $1,400–$1,600: 181 counties (6%). Above this entry. $1,600–$1,800: 172 counties (5%). Above this entry. $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 Otsego compares on 1-bedroom rent

1-bedroom FMR vs other Michigan counties

1BR FMR / mo

What this shows Otsego is highlighted. Nearby Michigan counties by 1-bedroom FMR, highest to lowest: Washtenaw County ($1,387), Kent County ($1,278), Wayne County ($1,122), Oakland County ($1,122), Macomb County ($1,122), Otsego County (this county) ($858), Genesee County ($856).

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

Can Common Jobs Afford Rent Here?

How a 1-bedroom at $858/mo compares to Michigan salaries for popular occupations (BLS wage data, 30%-of-income rule).

Occupation MI Salary Rent Burden Verdict
Software Developers $107,820 9.5% Affordable
General & Operations Managers $99,660 10.3% Affordable
Registered Nurses $85,670 12% Affordable
Accountants & Auditors $77,720 13.2% Affordable
Police & Sheriff's Patrol Officers $74,420 13.8% Affordable
Electricians $72,680 14.2% Affordable
Elementary School Teachers $62,350 16.5% Affordable
Paralegals & Legal Assistants $61,490 16.7% Affordable
Heavy & Tractor-Trailer Truck Drivers $55,140 18.7% Affordable
Customer Service Representatives $42,560 24.2% Affordable
Pharmacy Technicians $40,040 25.7% Affordable
Janitors & Cleaners $35,000 29.4% Affordable
Retail Salespersons $33,340 30.9% Stretched
Teaching Assistants $30,960 33.3% Stretched
Fast Food & Counter Workers $28,870 35.7% Stretched
Salaries: BLS OES (Michigan) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Otsego (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 43.7% overall, from $597 to $858. The increases have been fairly steady year to year, with no single jump exceeding 10.9% (FY 2026).

$500$600$700$800$900 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $858
Otsego County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑10.9% $852 $858 $1,100
FY 2025 ↑1.3% $769 $774 $995
FY 2024 ↑9.3% $702 $764 $1,004
FY 2023 ↑4.5% $636 $699 $920
FY 2022 ↑2.0% $609 $669 $880
FY 2021 ↑9.9% $593 $656 $865
FY 2020 $543 $597 $781
Total change (6yr): +43.7%
Annualized: +6.2%/yr
1 BR: $597 → $858

Where Otsego County Ranks in Michigan

Otsego County is not part of any federally-designated metropolitan or micropolitan statistical area -- an independent rental market not administratively tied to a larger urban core. By 2-bedroom FMR, it ranks #52 of 83 counties in Michigan. Nearest by rank: Charlevoix County ($1,039), Manistee County ($1,048), Cheboygan County ($1,054), Chippewa County ($1,066), Shiawassee County ($1,066), Iron County ($1,068), Alger County ($1,072), Wexford County ($1,084), Otsego County (this county) ($1,100), Saginaw County ($1,117), Marquette County ($1,137), Antrim County ($1,162), Kalamazoo County ($1,162), Jackson County ($1,165), Lenawee County ($1,166), Calhoun County ($1,176), Berrien County ($1,184).

Charlevoix County
2 BR: $1,039/mo
Manistee County
2 BR: $1,048/mo
Cheboygan County
2 BR: $1,054/mo
Chippewa County
2 BR: $1,066/mo
Shiawassee County
2 BR: $1,066/mo
Iron County
2 BR: $1,068/mo
Alger County
2 BR: $1,072/mo
Wexford County
2 BR: $1,084/mo
Otsego County (this county)
2 BR: $1,100/mo
Saginaw County
2 BR: $1,117/mo
Marquette County
2 BR: $1,137/mo
Antrim County
2 BR: $1,162/mo
Kalamazoo County
2 BR: $1,162/mo
Jackson County
2 BR: $1,165/mo
Lenawee County
2 BR: $1,166/mo
Calhoun County
2 BR: $1,176/mo
Berrien County
2 BR: $1,184/mo

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Otsego County, both outside Michigan 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 MI (FY2026).

Wharton County
TX · 2 BR $1,100/mo
Sedgwick County
KS · 2 BR $1,099/mo
Tangipahoa Parish
LA · 2 BR $1,099/mo
Monongalia County
WV · 2 BR $1,099/mo

Similar rent burden

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

Henry County
IL · 19.6% of income · 2 BR $1,143/mo
Lincoln County
NE · 19.6% of income · 2 BR $1,052/mo
Madison County
MS · 19.6% of income · 2 BR $1,288/mo
Wood County
TX · 19.6% of income · 2 BR $1,022/mo

Nearby Counties in Michigan

Largest counties by population in Michigan

Showing the 8 largest of 82 other counties in Michigan.

Wayne County
1 BR: $1,122/mo Pop: 1,781,641
Oakland County
1 BR: $1,122/mo Pop: 1,272,264
Macomb County
1 BR: $1,122/mo Pop: 878,453
Kent County
1 BR: $1,278/mo Pop: 657,321
Genesee County
1 BR: $856/mo Pop: 405,280
Washtenaw County
1 BR: $1,387/mo Pop: 370,231
Ottawa County
1 BR: $1,333/mo Pop: 296,183
Ingham County
1 BR: $1,012/mo Pop: 282,540
View all counties in Michigan →

Frequently Asked Questions

What is the average rent in Otsego County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Otsego County is $858 per month. A 2-bedroom is $1,100 and a studio is $852.
How does Otsego County rent compare to the national average? ▼
Rent in Otsego County is 11% below the national average. A 1-bedroom here costs $858 compared to $959 nationally.
Where does Otsego County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Otsego County's 2-bedroom FMR of $1,100 ranks #1,289 most expensive among 3,145 HUD counties, placing it in the middle half of HUD counties.
What income do I need to afford rent in Otsego County? ▼
Based on the 30% affordability rule, you need an annual income of at least $34,320 ($2,860/month) to afford a 1-bedroom at Fair Market Rent in Otsego County.
Is rent going up or down in Otsego County? ▼
The 1-bedroom Fair Market Rent in Otsego County increased by 10.9% from FY 2025 to FY 2026, going from $774 to $858.
Which jobs can afford rent in Otsego County? ▼
Based on Michigan BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $858/mo. 12 of 15 common occupations are affordable here.
How much has rent changed in Otsego County over time? ▼
The 1-bedroom Fair Market Rent in Otsego County went from $597 in FY 2020 to $858 in FY 2026, a total change of +43.7% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Otsego County? ▼
In Otsego County, the FY 2026 FMR of $858/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 Otsego County? ▼
For Otsego County, it's the specific 40th-percentile rent HUD publishes each year ($858/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.