Biggest studio-to-4-bedroom FMR jump
The metro where unit size raises the Fair Market Rent the most is El Paso, TX, where the 4-bedroom FMR ($1,998) is 2.43× the studio FMR ($821) — a difference of $1,177 per month. The full ranking of the 75 largest metros by studio-to-4-bedroom multiple is below.
Source: HUD USER, FY2026 Fair Market Rents (40th percentile, revised final). Data as of June 2026.
Largest metros by studio-to-4-bedroom FMR multiple
| # | Metro area | Studio | 4 BR | 4BR ÷ studio | Difference |
|---|---|---|---|---|---|
| 1 | El Paso, TX | $821 | $1,998 | 2.43× | $1,177 |
| 2 | Albuquerque, NM | $1,009 | $2,399 | 2.38× | $1,390 |
| 3 | Urban Honolulu, HI | $1,877 | $4,432 | 2.36× | $2,555 |
| 4 | Tucson, AZ | $967 | $2,245 | 2.32× | $1,278 |
| 5 | Bakersfield-Delano, CA | $1,132 | $2,488 | 2.20× | $1,356 |
| 6 | Fort Lauderdale, FL | $1,737 | $3,810 | 2.19× | $2,073 |
| 7 | Tacoma, WA | $1,428 | $3,102 | 2.17× | $1,674 |
| 8 | North Port-Bradenton-Sarasota, FL | $1,418 | $3,027 | 2.13× | $1,609 |
| 9 | Oxnard-Thousand Oaks-Ventura, CA | $1,998 | $4,240 | 2.12× | $2,242 |
| 10 | San Diego-Chula Vista-Carlsbad, CA | $2,288 | $4,845 | 2.12× | $2,557 |
| 11 | Salt Lake City, UT | $1,259 | $2,666 | 2.12× | $1,407 |
| 12 | Indianapolis-Carmel, IN | $1,118 | $2,338 | 2.09× | $1,220 |
| 13 | Bridgeport-Stamford-Danbury, CT | $1,731 | $3,598 | 2.08× | $1,867 |
| 14 | Riverside-San Bernardino-Ontario, CA | $1,692 | $3,514 | 2.08× | $1,822 |
| 15 | Las Vegas-Henderson-North Las Vegas, NV | $1,333 | $2,764 | 2.07× | $1,431 |
| 16 | New Orleans-Metairie, LA | $964 | $1,996 | 2.07× | $1,032 |
| 17 | Cincinnati, OH-KY-IN | $958 | $1,976 | 2.06× | $1,018 |
| 18 | Houston-The Woodlands-Sugar Land, TX | $1,280 | $2,639 | 2.06× | $1,359 |
| 19 | Oakland-Fremont, CA | $2,142 | $4,413 | 2.06× | $2,271 |
| 20 | Minneapolis-St. Paul-Bloomington, MN-WI | $1,242 | $2,531 | 2.04× | $1,289 |
| 21 | Bergen-Passaic, NJ | $1,778 | $3,618 | 2.03× | $1,840 |
| 22 | Monmouth-Ocean, NJ | $1,676 | $3,371 | 2.01× | $1,695 |
| 23 | Tulsa, OK | $933 | $1,858 | 1.99× | $925 |
| 24 | Portland-Vancouver-Hillsboro, OR-WA | $1,570 | $3,109 | 1.98× | $1,539 |
| 25 | San Antonio-New Braunfels, TX | $1,077 | $2,132 | 1.98× | $1,055 |
| 26 | Sacramento--Roseville--Arden-Arcade, CA | $1,748 | $3,460 | 1.98× | $1,712 |
| 27 | Oklahoma City, OK | $939 | $1,857 | 1.98× | $918 |
| 28 | Miami-Miami Beach-Kendall, FL | $1,828 | $3,613 | 1.98× | $1,785 |
| 29 | Fresno, CA | $1,347 | $2,660 | 1.97× | $1,313 |
| 30 | Hartford-West Hartford-East Hartford, CT | $1,286 | $2,537 | 1.97× | $1,251 |
| 31 | Fort Worth-Arlington, TX | $1,427 | $2,815 | 1.97× | $1,388 |
| 32 | Los Angeles-Long Beach-Glendale, CA | $2,079 | $4,098 | 1.97× | $2,019 |
| 33 | Louisville, KY-IN | $966 | $1,891 | 1.96× | $925 |
| 34 | Santa Ana-Anaheim-Irvine, CA | $2,682 | $5,246 | 1.96× | $2,564 |
| 35 | Dallas, TX | $1,582 | $3,091 | 1.95× | $1,509 |
| 36 | Newark, NJ | $1,612 | $3,137 | 1.95× | $1,525 |
| 37 | Tampa-St. Petersburg-Clearwater, FL | $1,593 | $3,077 | 1.93× | $1,484 |
| 38 | Raleigh-Cary, NC | $1,524 | $2,936 | 1.93× | $1,412 |
| 39 | Kansas City, MO-KS | $1,095 | $2,103 | 1.92× | $1,008 |
| 40 | San Francisco, CA | $2,485 | $4,772 | 1.92× | $2,287 |
| 41 | Baltimore-Columbia-Towson, MD | $1,362 | $2,611 | 1.92× | $1,249 |
| 42 | San Jose-Sunnyvale-Santa Clara, CA | $2,621 | $5,010 | 1.91× | $2,389 |
| 43 | St. Louis, MO-IL | $955 | $1,812 | 1.90× | $857 |
| 44 | West Palm Beach-Boca Raton, FL | $1,788 | $3,388 | 1.89× | $1,600 |
| 45 | Nassau-Suffolk, NY | $1,992 | $3,768 | 1.89× | $1,776 |
| 46 | Jacksonville, FL | $1,355 | $2,561 | 1.89× | $1,206 |
| 47 | Cleveland, OH | $933 | $1,760 | 1.89× | $827 |
| 48 | Providence-Fall River, RI-MA | $1,318 | $2,480 | 1.88× | $1,162 |
| 49 | Omaha-Council Bluffs, NE-IA | $1,090 | $2,046 | 1.88× | $956 |
| 50 | Virginia Beach-Norfolk-Newport News, VA-NC | $1,492 | $2,797 | 1.87× | $1,305 |
| 51 | Austin-Round Rock-San Marcos, TX | $1,474 | $2,760 | 1.87× | $1,286 |
| 52 | Phoenix-Mesa-Chandler, AZ | $1,457 | $2,720 | 1.87× | $1,263 |
| 53 | Rochester, NY | $1,116 | $2,083 | 1.87× | $967 |
| 54 | Denver-Aurora-Centennial, CO | $1,643 | $3,049 | 1.86× | $1,406 |
| 55 | Seattle-Bellevue, WA | $2,074 | $3,847 | 1.85× | $1,773 |
| 56 | Detroit-Warren-Livonia, MI | $1,009 | $1,868 | 1.85× | $859 |
| 57 | Albany-Schenectady-Troy, NY | $1,217 | $2,253 | 1.85× | $1,036 |
| 58 | Memphis, TN-MS-AR | $1,060 | $1,959 | 1.85× | $899 |
| 59 | Middlesex-Somerset-Hunterdon, NJ | $1,804 | $3,296 | 1.83× | $1,492 |
| 60 | McAllen-Edinburg-Mission, TX | $842 | $1,522 | 1.81× | $680 |
| 61 | Charlotte-Concord-Gastonia, NC-SC | $1,469 | $2,637 | 1.80× | $1,168 |
| 62 | Chicago-Joliet-Naperville, IL | $1,480 | $2,653 | 1.79× | $1,173 |
| 63 | Nashville-Davidson--Murfreesboro--Franklin, TN | $1,507 | $2,696 | 1.79× | $1,189 |
| 64 | Pittsburgh, PA | $1,001 | $1,789 | 1.79× | $788 |
| 65 | Orlando-Kissimmee-Sanford, FL | $1,650 | $2,924 | 1.77× | $1,274 |
| 66 | Richmond, VA | $1,442 | $2,553 | 1.77× | $1,111 |
| 67 | Birmingham-Hoover, AL | $1,024 | $1,801 | 1.76× | $777 |
| 68 | Milwaukee-Waukesha, WI | $1,027 | $1,784 | 1.74× | $757 |
| 69 | Columbus, OH | $1,111 | $1,927 | 1.73× | $816 |
| 70 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $1,397 | $2,423 | 1.73× | $1,026 |
| 71 | Washington-Arlington-Alexandria, DC-VA-MD | $1,953 | $3,332 | 1.71× | $1,379 |
| 72 | Buffalo-Cheektowaga, NY | $1,105 | $1,869 | 1.69× | $764 |
| 73 | Boston-Cambridge-Quincy, MA-NH | $2,359 | $3,894 | 1.65× | $1,535 |
| 74 | Atlanta-Sandy Springs-Roswell, GA | $1,585 | $2,605 | 1.64× | $1,020 |
| 75 | New York, NY | $2,529 | $3,959 | 1.57× | $1,430 |
Source: HUD USER, FY2026 Fair Market Rents (40th percentile, revised final). Data as of June 2026.
Frequently asked questions
Where does unit size change the Fair Market Rent the most?
In El Paso, TX the 4-bedroom FMR is 2.43× the studio FMR ($821 → $1,998), the biggest studio-to-4-bedroom multiple among the largest metros. Albuquerque, NM is close behind at 2.38×.
Why does the studio-to-4BR ratio differ between areas?
HUD derives larger-unit FMRs from the area's 2-bedroom FMR using national bedroom-ratio adjustments, but local rent structures and the underlying survey data shift the spread. Areas where family-size units are relatively scarce or expensive show a bigger jump from studio to 4-bedroom.
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Last updated: 2026-06-20