Lower-half FMR gap - Memphis, TN-MS-AR HUD Metro FMR Area
Displayed gap in Memphis, TN-MS-AR HUD Metro FMR Area: +18.2% (HUD $1,274 vs ACS $1,078) · counties in FMR rows: Crittenden County, DeSoto County, Fayette County, Shelby County, Tipton County .
FMR gap dispatch plate
CBSA 32820 · Memphis, TN-MS-AR -18.2% shortfall
GAP-GENEROUS · FMR-BELOW · SPREAD-PLUS · PHOTO-FINISH · COUNTY-MID · BOOK-FULL
- GAP-GENEROUS 18.2% surplus
- FMR-BELOW #189/396 · P48
- SPREAD-PLUS +$196
- PHOTO-FINISH Dothan
- COUNTY-MID 5 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Dothan, AL Metro Area (+0.0pp)
HUD's reference overshoots the ACS median by $196/mo. Lease-up odds are usually better than in shortfall markets, though still compare Dothan, AL 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 Memphis, TN-MS-AR
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Bremerton-Silver -18.15
Bremerton-Silver: -18.1% shortfall
-18.15 % shortfall
- Dothan -18.16
Dothan: -18.2% shortfall
-18.16 % shortfall
- Memphis · this metro -18.18
Memphis · this metro: -18.2% shortfall
-18.18 % shortfall
- Salt Lake City-M -18.2
Salt Lake City-M: -18.2% shortfall
-18.2 % shortfall
- Rockford -18.21
Rockford: -18.2% shortfall
-18.21 % shortfall
How does Memphis, TN-MS-AR compare with nearby FMR areas?
These are the twelve metros closest to Memphis, TN-MS-AR on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Dothan, AL Metro Area
-18.2% shortfall · HUD $950 vs ACS $804 · $+$146/mo
HUD FMR-area counties: Geneva County, Houston County.
- Salt Lake City-Murray, UT Metro Area
-18.2% shortfall · HUD $1,747 vs ACS $1,478 · $+$269/mo
HUD FMR-area counties: Salt Lake County.
- Bremerton-Silverdale-Port Orchard, WA Metro Area
-18.1% shortfall · HUD $2,031 vs ACS $1,719 · $+$312/mo
HUD FMR-area counties: Kitsap County.
- Rockford, IL Metro Area
-18.2% shortfall · HUD $1,175 vs ACS $994 · $+$181/mo
HUD FMR-area counties: Boone County, Winnebago County.
- Kiryas Joel-Poughkeepsie-Newburgh, NY Metro Area
-18.2% shortfall · HUD $1,979 vs ACS $1,674 · $+$305/mo
HUD FMR-area counties: Dutchess County, Orange County.
- Santa Fe, NM Metro Area
-18.3% shortfall · HUD $1,685 vs ACS $1,425 · $+$260/mo
HUD FMR-area counties: Santa Fe County.
- Phoenix-Mesa-Chandler, AZ Metro Area
-18.3% shortfall · HUD $1,839 vs ACS $1,555 · $+$284/mo
HUD FMR-area counties: Maricopa County, Pinal County.
- Watertown-Fort Drum, NY Metro Area
-18.3% shortfall · HUD $1,405 vs ACS $1,188 · $+$217/mo
HUD FMR-area counties: Jefferson County.
- Birmingham, AL Metro Area
-18.3% shortfall · HUD $1,266 vs ACS $1,070 · $+$196/mo
HUD FMR-area counties: Bibb County, Blount County, Jefferson County, Shelby County, St. Clair County.
- Tulsa, OK Metro Area
-18.0% shortfall · HUD $1,217 vs ACS $1,031 · $+$186/mo
HUD FMR-area counties: Creek County, Osage County, Rogers County, Tulsa County, Wagoner County.
- Oklahoma City, OK Metro Area
-18.0% shortfall · HUD $1,244 vs ACS $1,054 · $+$190/mo
HUD FMR-area counties: Canadian County, Cleveland County, Logan County, McClain County, Oklahoma County.
- Sheboygan, WI Metro Area
-18.4% shortfall · HUD $1,116 vs ACS $943 · $+$173/mo
HUD FMR-area counties: Sheboygan 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 (−$14)
- Cleveland, TN MSA $1,233 (−$41)
- Clarksville, TN-KY HUD Metro FMR Area $1,346 (+$72)
- Chattanooga, TN-GA MSA $1,390 (+$116)
- Morristown, TN HUD Metro FMR Area $1,135 (−$139)
- Johnson City, TN MSA $1,132 (−$142)
- Knoxville, TN HUD Metro FMR Area $1,471 (+$197)
- Kingsport-Bristol, TN-VA MSA $1,044 (−$230)
- Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area $1,730 (+$456)
High-FMR contrast (scale only)
Fort Lauderdale, FL HUD Metro FMR Area ($2,333 2-BR); Martin County, TX HUD Metro FMR Area ($1,772 2-BR); Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area ($1,709 2-BR); Modesto, CA MSA ($1,758 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Memphis, TN-MS-AR HUD Metro FMR Area.
Memphis, TN-MS-AR HUD Metro FMR Area gap inputs
- HUD 2-BR FMR (FY2026): $1,274/mo
- ACS 2019–2023 2-BR median: $1,078/mo
- Displayed gap: +18.2%
- National FMR percentile: 48 (#189/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Memphis, TN-MS-AR HUD Metro FMR Area
TN HCV agencies (scale-keyed)
Full payment standards for Memphis, TN-MS-AR HUD Metro FMR Area · 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.