FY 2026 HUD FMR-area McIntosh +15% vs US

ZIP HUD FMR profile

31304 Crescent, GA Fair Market Rent

FY 2026 HUD FMR-area benchmark for McIntosh applied to ZIP 31304. Not a ZIP-specific SAFMR; not current asking rent.

$1,105
1-bedroom FMR-area / mo
+15%
vs US average
$44,200
Income needed (30% rule)

Crescent, GA — McIntosh. Population: 132 (Census). FY 2026 McIntosh FMR area.

How this rate was derived: HUD publishes ZIP-level Small Area FMRs in designated metros, and FMR-area (county/metro) schedules elsewhere. Our current load has no SAFMR row for ZIP 31304, so this page shows the FMR-area schedule for McIntosh, GA. Apartments may rent above or below FMR; see HUD's FMR documentation.

The displayed HUD FMR for ZIP 31304 (Crescent) is 15% above the national average and 8% above the state average. A 1-bedroom benchmark is $1,105/mo compared to $959 nationally. Source: McIntosh FMR area. You need at least $44,200/year to afford a 1-bedroom at this FMR (30% rule).

What the FMR for ZIP 31304 actually means

HUD publishes ZIP-level Small Area FMRs in designated metros. Our load has no SAFMR row for ZIP 31304, so we show the FMR-area schedule for McIntosh: $1,105 1-bedroom, studio $1,035, 2-bedroom $1,293, 3-bedroom $1,550, 4-bedroom $1,906. Other ZIPs in the same FMR area share this schedule until a SAFMR row is available. These are 40th-percentile gross rents, not live asking rents.

Without SAFMR for this ZIP, every ZIP mapped to McIntosh's FMR area shares the same baseline figures even when street-level market rents differ. Against the national benchmark the 1-bedroom FMR-area figure is 15% above the US average of $959, and 8% above the GA state average of $1,023. Year-over-year, the 1-bedroom moved up2.7% from FY 2025 ($1,076) to FY 2026.

For budgeting, the 30% affordability rule says rent should not exceed 30% of gross household income. At the FY 2026 1-bedroom FMR of $1,105, that implies a household income of $44,200 per year (about $3,683/month) to avoid being cost-burdened, a 2-bedroom at $1,293 lifts that threshold higher still. ZIP 31304 has a population of 132 residents, so the gap between these FMR figures and local wages shapes how many households qualify as rent-burdened (paying more than 30% of income) or severely burdened (above 50%).

Fair Market Rents (2026)

Studio
State avg: $979 · US avg: $893
$1,035/mo
↑ 4.8% YoY +6% vs state +16% vs US
1 Bedroom
State avg: $1,023 · US avg: $959
$1,105/mo
↑ 2.7% YoY +8% vs state +15% vs US
2 Bedroom
State avg: $1,203 · US avg: $1,175
$1,293/mo
↑ 2.3% YoY +7% vs state +10% vs US
3 Bedroom
State avg: $1,524 · US avg: $1,525
$1,550/mo
↓ 1.4% YoY +2% vs state +2% vs US
4 Bedroom
State avg: $1,775 · US avg: $1,756
$1,906/mo
↓ 1.9% YoY +7% vs state +9% vs US

Affordability Snapshot

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

Required annual income for 1 BR
$44,200
$3,683/month gross
Required annual income for 2 BR
$51,720
$4,310/month gross

County Information

ZIP 31304 is in McIntosh. HUD sets Fair Market Rents at the county level, so all ZIP codes within McIntosh share the same FMR.

Nearby ZIP Codes in McIntosh

Frequently Asked Questions

What is the HUD Fair Market Rent for ZIP code 31304?
ZIP 31304 sits outside (or without) HUD Small Area FMR coverage in our load, so we show the FY 2026 FMR-area schedule for McIntosh: 1-bedroom $1,105, 2-bedroom $1,293, studio $1,035. This is not a ZIP-specific SAFMR and not current asking rent.
How does the FMR in 31304 compare to the national average?
The displayed 1-bedroom FMR for ZIP 31304 is 15% above the national average ($1,105 vs $959).
What income do I need to afford the FMR in 31304?
Based on the 30% affordability rule, you need an annual income of at least $44,200 to afford a 1-bedroom at the displayed HUD FMR in ZIP 31304 (Crescent, GA).
What county is ZIP code 31304 in?
ZIP 31304 is in McIntosh, GA. Without a Small Area FMR row for this ZIP in our load, the page shows the county/metro FMR-area schedule shared by ZIPs in that area.

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Data source: U.S. Department of Housing and Urban Development, FY 2026 Fair Market Rents. ZIP-to-county mapping from U.S. Census Bureau. FMRs are set at the county or metro level; individual ZIP code rents may vary.