County FMR · HUD FY2026

White County Fair Market Rent

HUD's FY2026 Fair Market Rent for White County, IN - 18% below the US average.

$785
1-bedroom FMR
$1,030
2-bedroom FMR
+4.5%
YoY change
-18%
vs US avg

The verdict

White is the 43rd most expensive of 92 counties in Indiana by 2-bedroom FMR; nationally it ranks #1,573 most expensive of 3,145 HUD counties.

#1,573
most expensive of 3,145 US counties (2BR)
#43
most expensive of 92 in Indiana (2BR)
-11%
vs the state average
$31,400
income to afford it (30% rule)

General and Operations Managers spend the smallest share of income on rent here (8.7%), while Fast Food and Counter Workers spend the most (33.3%).

FY 2026 HUD Fair Market Rent for White County, IN. Verify with HUD →

HUD sets the FY 2026 1-bedroom Fair Market Rent for White County, Indiana at $785 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $1,030/mo and a studio is $738/mo. This is 18% lower than the national average of $959 and 11% below the Indiana average of $882.

Rent increased4.5% from FY 2025 ($751), outpacing inflation. The 30% affordability floor is comparatively reachable here at $31,400/year.

FY 2026 HUD Fair Market Rents in Indiana. Population: 24,630. Population has held roughly steady over the past five years (+2.0%, Census ACS). That's in line with Indiana's statewide growth of +2.6% over the same period.

FMR filing desk

Area WHITE·COUNTY·IN·IN

White County, IN: $785/mo 1BR · #1573 of 3145 counties (2BR) · FY2026

  • FMR-AREA IN
  • 1BR-FMR $785
  • 2BR-FMR $1,030
  • RANK-MID #1,573
  • YOY-UP +4.5%
  • VSUS-BELOW -18%
  • VS-ST-LOW -11% IN
  • INC-ROOM 14%
  • POP-SMALL 25K
  • PHOTO-NEAR Marion County
  • VOUCH-90-110 $707–$864
  • FY-2026 FY2026

Photo-finish peer: Marion ($482 1BR gap)

Read with: Section 8 housing guide

Fair Market Rents (2026)

Studio
State avg: $816 · US avg: $893
$738/mo
↑ 6.6% YoY -10% vs state -17% vs US
1 Bedroom
State avg: $882 · US avg: $959
$785/mo
↑ 4.5% YoY -11% vs state -18% vs US
2 Bedroom
State avg: $1,096 · US avg: $1,175
$1,030/mo
↑ 4.6% YoY -6% vs state -12% vs US
3 Bedroom
State avg: $1,391 · US avg: $1,525
$1,235/mo
↑ 4.0% YoY -11% vs state -19% vs US
4 Bedroom
State avg: $1,590 · US avg: $1,756
$1,364/mo
↑ 4.4% YoY -14% vs state -22% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $692
$738
+$46 (+6.6%)
1 Bedroom $751
$785
+$34 (+4.5%)
2 Bedroom $985
$1,030
+$45 (+4.6%)
3 Bedroom $1,187
$1,235
+$48 (+4.0%)
4 Bedroom $1,306
$1,364
+$58 (+4.4%)

Rent Burden Analysis

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

Studio
13.4%
Affordable
Need $29,520/yr for 30% rule
1 Bedroom
14.2%
Affordable
Need $31,400/yr for 30% rule
2 Bedroom
18.7%
Affordable
Need $41,200/yr for 30% rule
3 Bedroom
22.4%
Affordable
Need $49,400/yr for 30% rule
4 Bedroom
24.7%
Affordable
Need $54,560/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%18.7%
White County 2-bedroom rent burden
County median income: $66,143 · National avg burden: 21.7% ·View Indiana rent burden →

Where White sits among every US county

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

$1,030 higher than 50% 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 White compares on 1-bedroom rent

1-bedroom FMR vs other Indiana counties

1BR FMR / mo

What this shows White is highlighted. Nearby Indiana counties by 1-bedroom FMR, highest to lowest: Marion County ($1,267), Hamilton County ($1,267), St. Joseph County ($1,105), Lake County ($1,082), Elkhart County ($992), Allen County ($916), White County (this county) ($785).

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

Can Common Jobs Afford Rent Here?

With a below-average 1-bedroom at $785/mo, most of these Indiana occupations clear, or miss, the 30% affordability line.

Occupation IN Salary Rent Burden Verdict
General & Operations Managers $108,410 8.7% Affordable
Software Developers $103,570 9.1% Affordable
Registered Nurses $80,740 11.7% Affordable
Accountants & Auditors $77,410 12.2% Affordable
Police & Sheriff's Patrol Officers $71,540 13.2% Affordable
Electricians $65,480 14.4% Affordable
Heavy & Tractor-Trailer Truck Drivers $60,090 15.7% Affordable
Elementary School Teachers $58,370 16.1% Affordable
Paralegals & Legal Assistants $50,690 18.6% Affordable
Customer Service Representatives $41,600 22.6% Affordable
Pharmacy Technicians $40,020 23.5% Affordable
Janitors & Cleaners $35,240 26.7% Affordable
Teaching Assistants $30,460 30.9% Stretched
Retail Salespersons $30,300 31.1% Stretched
Fast Food & Counter Workers $28,290 33.3% Stretched
Salaries: BLS OES (Indiana) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for White (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 40.9% overall, from $557 to $785. Most of that movement was gradual except for a single sharp jump of +13.3% in FY 2023, well above this county's typical year-to-year change.

$500$600$700$800 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $785
White County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑4.5% $738 $785 $1,030
FY 2025 ↑10.0% $692 $751 $985
FY 2024 ↑4.4% $624 $683 $897
FY 2023 ↑13.3% $600 $654 $861
FY 2022 ↑1.1% $530 $577 $759
FY 2021 ↑2.5% $526 $571 $752
FY 2020 $514 $557 $733
Total change (6yr): +40.9%
Annualized: +5.9%/yr
1 BR: $557 → $785

Part of the Monticello, IN Micro Area

White County is a central county of the Monticello, IN micropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for White County, both outside Indiana 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 IN (FY2026).

Schuylkill County
PA · 2 BR $1,030/mo
Bay County
MI · 2 BR $1,030/mo
Lake and Peninsula Borough
AK · 2 BR $1,030/mo
Taney County
MO · 2 BR $1,029/mo

Similar rent burden

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

Baker County
FL · 18.7% of income · 2 BR $1,103/mo
Caswell County
NC · 18.7% of income · 2 BR $925/mo
Greer County
OK · 18.7% of income · 2 BR $937/mo
Sandusky County
OH · 18.7% of income · 2 BR $973/mo

Nearby Counties in Indiana

Largest counties by population in Indiana

Showing the 8 largest of 91 other counties in Indiana.

Marion County
1 BR: $1,267/mo Pop: 971,737
Lake County
1 BR: $1,082/mo Pop: 497,682
Allen County
1 BR: $916/mo Pop: 385,456
Hamilton County
1 BR: $1,267/mo Pop: 349,527
St. Joseph County
1 BR: $1,105/mo Pop: 272,388
Elkhart County
1 BR: $992/mo Pop: 206,841
Tippecanoe County
1 BR: $1,032/mo Pop: 186,955
Vanderburgh County
1 BR: $860/mo Pop: 179,900
View all counties in Indiana →

Frequently Asked Questions

What is the average rent in White County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in White County is $785 per month. A 2-bedroom is $1,030 and a studio is $738.
How does White County rent compare to the national average? ▼
Rent in White County is 18% below the national average. A 1-bedroom here costs $785 compared to $959 nationally.
Where does White County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, White County's 2-bedroom FMR of $1,030 ranks #1,573 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 White County? ▼
Based on the 30% affordability rule, you need an annual income of at least $31,400 ($2,617/month) to afford a 1-bedroom at Fair Market Rent in White County.
Is rent going up or down in White County? ▼
The 1-bedroom Fair Market Rent in White County increased by 4.5% from FY 2025 to FY 2026, going from $751 to $785.
Which jobs can afford rent in White County? ▼
Based on Indiana BLS salary data and the 30% affordability rule, jobs like General and Operations Managers, Software Developers, Registered Nurses can afford a 1-bedroom at $785/mo. 12 of 15 common occupations are affordable here.
How much has rent changed in White County over time? ▼
The 1-bedroom Fair Market Rent in White County went from $557 in FY 2020 to $785 in FY 2026, a total change of +40.9% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in White County? ▼
In White County, the FY 2026 FMR of $785/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 White County? ▼
For White County, it's the specific 40th-percentile rent HUD publishes each year ($785/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.