Lower-half FMR gap - Cleveland, TN MSA
Displayed gap in Cleveland, TN MSA: +31.3% (HUD $1,233 vs ACS $939) · counties in FMR rows: Bradley County, Polk County .
FMR gap dispatch plate
CBSA 17420 · Cleveland, TN -31.3% shortfall
GAP-GENEROUS · FMR-BELOW · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 31.3% surplus
- FMR-BELOW #161/396 · P41
- SPREAD-PLUS +$294
- PHOTO-FINISH Chattanooga
- COUNTY-SPARSE 2 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Chattanooga, TN-GA Metro Area (-0.1pp)
HUD's reference overshoots the ACS median by $294/mo. Lease-up odds are usually better than in shortfall markets, though still compare Chattanooga, TN-GA Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Cleveland, TN
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Merced -31.04
Merced: -31.0% shortfall
-31.04 % shortfall
- Cape Coral-Fort -31.08
Cape Coral-Fort : -31.1% shortfall
-31.08 % shortfall
- Flagstaff -31.22
Flagstaff: -31.2% shortfall
-31.22 % shortfall
- Cleveland · this metro -31.31
Cleveland · this metro: -31.3% shortfall
-31.31 % shortfall
- Chattanooga -31.38
Chattanooga: -31.4% shortfall
-31.38 % shortfall
How does Cleveland, TN compare with nearby FMR areas?
These are the twelve metros closest to Cleveland, TN on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Chattanooga, TN-GA Metro Area
-31.4% shortfall · HUD $1,390 vs ACS $1,058 · $+$332/mo
HUD FMR-area counties: Catoosa County, Dade County, Hamilton County, Marion County, Sequatchie County, Walker County.
- Flagstaff, AZ Metro Area
-31.2% shortfall · HUD $1,921 vs ACS $1,464 · $+$457/mo
HUD FMR-area counties: Coconino County.
- Cape Coral-Fort Myers, FL Metro Area
-31.1% shortfall · HUD $1,961 vs ACS $1,496 · $+$465/mo
HUD FMR-area counties: Lee County.
- Merced, CA Metro Area
-31.0% shortfall · HUD $1,503 vs ACS $1,147 · $+$356/mo
HUD FMR-area counties: Merced County.
- Reading, PA Metro Area
-31.6% shortfall · HUD $1,575 vs ACS $1,197 · $+$378/mo
HUD FMR-area counties: Berks County.
- Sebring, FL Metro Area
-31.0% shortfall · HUD $1,271 vs ACS $970 · $+$301/mo
HUD FMR-area counties: Highlands County.
- Yuba City, CA Metro Area
-31.0% shortfall · HUD $1,550 vs ACS $1,183 · $+$367/mo
HUD FMR-area counties: Sutter County, Yuba County.
- Morristown, TN Metro Area
-31.7% shortfall · HUD $1,135 vs ACS $862 · $+$273/mo
HUD FMR-area counties: Hamblen County, Jefferson County.
- Staunton-Stuarts Draft, VA Metro Area
-30.9% shortfall · HUD $1,261 vs ACS $963 · $+$298/mo
HUD FMR-area counties: Augusta County, Staunton city, Waynesboro city.
- Sacramento-Roseville-Folsom, CA Metro Area
-31.7% shortfall · HUD $2,255 vs ACS $1,712 · $+$543/mo
HUD FMR-area counties: El Dorado County, Placer County, Sacramento County.
- Chambersburg, PA Metro Area
-30.8% shortfall · HUD $1,379 vs ACS $1,054 · $+$325/mo
HUD FMR-area counties: Franklin County.
- Scranton--Wilkes-Barre, PA Metro Area
-30.8% shortfall · HUD $1,252 vs ACS $957 · $+$295/mo
HUD FMR-area counties: Lackawanna County, Luzerne County, Wyoming County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
TN FMR scale context
These are the closest FY2026 2-BR FMR values in TN; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Jackson, TN HUD Metro FMR Area $1,260 (+$27)
- Memphis, TN-MS-AR HUD Metro FMR Area $1,274 (+$41)
- Morristown, TN HUD Metro FMR Area $1,135 (−$98)
- Johnson City, TN MSA $1,132 (−$101)
- Clarksville, TN-KY HUD Metro FMR Area $1,346 (+$113)
- Chattanooga, TN-GA MSA $1,390 (+$157)
- Kingsport-Bristol, TN-VA MSA $1,044 (−$189)
- Knoxville, TN HUD Metro FMR Area $1,471 (+$238)
- Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area $1,730 (+$497)
High-FMR contrast (scale only)
Chico, CA MSA ($1,625 2-BR); Colorado Springs, CO HUD Metro FMR Area ($1,735 2-BR); Chicago-Joliet-Naperville, IL HUD Metro FMR Area ($1,781 2-BR); Charlottesville, VA MSA ($1,824 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Cleveland, TN MSA.
Cleveland, TN MSA gap inputs
- HUD 2-BR FMR (FY2026): $1,233/mo
- ACS 2019–2023 2-BR median: $939/mo
- Displayed gap: +31.3%
- National FMR percentile: 41 (#161/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Cleveland, TN MSA
TN HCV agencies (scale-keyed)
Full payment standards for Cleveland, TN MSA · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.