Caldwell County fair market rent FY 2027North Carolina, HUD studio to 4 bedrooms
HUD's FY 2027 Fair Market Rent for a two-bedroom home in Caldwell County, North Carolina is $1,147 a month, effective October 1, 2026: $961 for a studio, $965 for one bedroom, $1,399 for three and $1,707 for four. It is set for the Hickory-Lenoir-Morganton, NC MSA. The FY 2026 two-bedroom FMR was $1,095 (+4.7%).
Caldwell County Fair Market Rents by bedrooms
| Bedrooms | FY 2027 | FY 2026 | Change | Payment standard basic range |
|---|---|---|---|---|
| Studio | $961 | $858 | +12.0% | $864 to $1,057 |
| 1 bedroom | $965 | $908 | +6.3% | $868 to $1,061 |
| 2 bedrooms | $1,147 | $1,095 | +4.7% | $1,032 to $1,261 |
| 3 bedrooms | $1,399 | $1,372 | +2.0% | $1,259 to $1,538 |
| 4 bedrooms | $1,707 | $1,660 | +2.8% | $1,536 to $1,877 |
Monthly gross rent (rent plus tenant-paid utilities except telephone). FY 2027 runs October 1, 2026 to September 30, 2027. The payment standard basic range is 90 to 110 percent of the FMR (24 CFR 982.503(c)); the local housing agency sets the actual payment standard.
How Caldwell County compares
Caldwell County's two-bedroom FMR of $1,147 is the 47th highest of 100 counties in North Carolina, where the county median is $1,145 and the range $1,012 to $1,866. Across all 3,144 US counties the median two-bedroom FMR is $1,071; Caldwell County ranks 1255th.
HUD sets one FMR for each metropolitan area, so Alexander County, Burke County and Catawba County have the same figures as Caldwell County (Hickory-Lenoir-Morganton, NC MSA).
Small Area FMRs and ZIP codes
HUD also publishes Small Area FMRs by ZIP code for metropolitan areas. For the Hickory-Lenoir-Morganton, NC MSA it lists 43 ZIP codes, with two-bedroom Small Area FMRs from $1,010 to $1,720. This area is not one of HUD's designated Small Area FMR areas, so agencies use the area-wide FMR above unless they opt in.
Look up any ZIP code: fair market rent by ZIP code.
Fair market rents in nearby counties
All North Carolina counties · Fair market rents in every state
More for Caldwell County
- Caldwell County loan limitsThis year's FHFA conforming, FHA and VA county loan limits for 1 to 4 unit homes, from FHFA's and HUD's official files.
- Caldwell County property tax rateEffective property tax rate from Census survey data: median taxes paid against median home value, ranked in the state.
- Title insurance premium calculatorOwner's and lender's policy premiums from the official rate schedules of Texas, Florida, Pennsylvania and New York.
- Seller net sheet and closing costsNet proceeds after the payoff, commission, transfer taxes, title premiums and recording fees.
- Real estate transfer tax calculatorDeed transfer taxes for New York, Florida, Pennsylvania, Illinois, the Carolinas, Arkansas, Texas and Arizona.
- Flood zone lookupThe FEMA flood zone mapped at any US address. A screening check, not an official flood zone determination.
Check a Caldwell County property
HeritageDeed does not search title records in Caldwell County yet; the counties it covers are listed under title search coverage, where a title report is $49 per report. For any US address, the Environmental Records Report lists Superfund, hazardous waste, leaking tank and brownfield sites nearby, with the flood zone.
Questions about Caldwell County fair market rent
What is the fair market rent in Caldwell County for FY 2027?
$961 for a studio, $965 for one bedroom, $1,147 for two, $1,399 for three and $1,707 for four bedrooms a month. FY 2027 runs from October 1, 2026 to September 30, 2027.
What was the fair market rent in Caldwell County for FY 2026?
$858 for a studio, $908 for one bedroom, $1,095 for two, $1,372 for three and $1,660 for four bedrooms (FY 2026, October 1, 2025 to September 30, 2026).
What is the Section 8 voucher amount for a 2 bedroom in Caldwell County?
The housing agency sets a payment standard, usually within the basic range of 90 to 110 percent of the FMR: $1,032 to $1,261 for two bedrooms here. The voucher then pays the lower of the payment standard or the gross rent, minus the family's total tenant payment, usually 30 percent of adjusted monthly income (24 CFR 982.505 and 5.628). The local housing agency publishes its own schedule.
Does fair market rent include utilities?
Yes. HUD's rule defines Fair Market Rents as "estimates of rent plus the cost of utilities, except telephone", set at the 40th percentile of rents for standard-quality units rented by recent movers (24 CFR 888.113).
Is Caldwell County's fair market rent high for North Carolina?
$1,147 for two bedrooms ranks 47th of 100 counties in North Carolina; the state's county median is $1,145 (range $1,012 to $1,866) and the national county median is $1,071.
Legal references
- 24 CFR 888.113, Fair market rents for existing housing: methodology
- 24 CFR 982.503, Voucher tenancy: payment standard amount and schedule
- 24 CFR 982.505, How to calculate housing assistance payment
JSON: /api/data/fair-market-rent/north-carolina/caldwell-county. Fair Market Rents are HUD program figures, not an appraisal of any unit's rent.