Renting · Section 8
Data from November 2026
Renting in Clay County, Indiana
Clay County has a HUD fair market rent of $1,164 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $873 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $22.38 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,164
- a month, HUD, Fiscal year 2027
- 11% less than in Indiana
- Typical rent
- $873
- a month, Census, Average 2020–2024
- 18% less than in Indiana
- Wage needed
- $22.38
- an hour, 2 bedrooms
- Or $46,560 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 32%
- spend 30% or more of income on rent
- 33% less than in Indiana
Only here
Renting in Clay County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Clay County has the 5th smallest share of rent-burdened renters of the 92 counties in Indiana (32%).
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Nearby, in Parke County, the typical rent is $704: 19% less than in Clay County ($873).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Clay County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $890 | $17.12 | $35,600 |
| 1 bedroom | $896 | $17.23 | $35,840 |
| 2 bedrooms | $1,164 | $22.38 | $46,560 |
| 3 bedrooms | $1,387 | $26.67 | $55,480 |
| 4 bedrooms | $1,610 | $30.96 | $64,400 |
HUD area: Terre Haute, IN HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 16 ZIP codes in Clay County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,010 in 47841 to $1,300 in 47853. 1 ZIP code is above the county's fair market rent ($1,164).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 47833 | Owen County, IN | $830 | $900 | $1,060 | $1,290 | $1,590 |
|---|---|---|---|---|---|---|
| 47833 | Terre Haute, IN | $830 | $900 | $1,060 | $1,290 | $1,590 |
| 47834 | Parke County, IN | $860 | $870 | $1,130 | $1,350 | $1,560 |
| 47834 | Putnam County, IN | $860 | $870 | $1,130 | $1,350 | $1,560 |
| 47834 | Terre Haute, IN | $860 | $870 | $1,130 | $1,350 | $1,560 |
| 47840 | Putnam County, IN | $880 | $890 | $1,150 | $1,370 | $1,590 |
| 47840 | Terre Haute, IN | $880 | $890 | $1,150 | $1,370 | $1,590 |
| 47841 | Owen County, IN | $780 | $780 | $1,010 | $1,210 | $1,410 |
| 47841 | Terre Haute, IN | $780 | $780 | $1,010 | $1,210 | $1,410 |
| 47845 | Terre Haute, IN | $790 | $790 | $1,040 | $1,300 | $1,610 |
| 47846 | Terre Haute, IN | $850 | $860 | $1,120 | $1,340 | $1,550 |
| 47853 | Terre Haute, IN | $990 | $1,000 | $1,300 | $1,550 | $1,800 |
| 47857 | Terre Haute, IN | $780 | $780 | $1,010 | $1,210 | $1,410 |
| 47858 | Sullivan County, IN | $810 | $820 | $1,060 | $1,300 | $1,560 |
| 47858 | Terre Haute, IN | $810 | $820 | $1,060 | $1,300 | $1,560 |
| 47881 | Terre Haute, IN | $810 | $820 | $1,060 | $1,260 | $1,470 |
- 47833 · Owen County, IN $1,060$1,290
- 47833 · Terre Haute, IN $1,060$1,290
- 47834 · Parke County, IN $1,130$1,350
- 47834 · Putnam County, IN $1,130$1,350
- 47834 · Terre Haute, IN $1,130$1,350
- 47840 · Putnam County, IN $1,150$1,370
- 47840 · Terre Haute, IN $1,150$1,370
- 47841 · Owen County, IN $1,010$1,210
- 47841 · Terre Haute, IN $1,010$1,210
- 47845 · Terre Haute, IN $1,040$1,300
- 47846 · Terre Haute, IN $1,120$1,340
- 47853 · Terre Haute, IN $1,300$1,550
- 47857 · Terre Haute, IN $1,010$1,210
- 47858 · Sullivan County, IN $1,060$1,300
- 47858 · Terre Haute, IN $1,060$1,300
- 47881 · Terre Haute, IN $1,060$1,260
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Clay County, 32% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
32%
of renter households spend 30% or more of their income on rent.
2,019 households rent in Clay County
- Spend half or more of their income 16%
- Spend 30% or more, but less than half 16%
- Spend less than 30% 68%
Compared with the state and the country
- Clay 32%
- Indiana 48%
- United States 51%
Low-income apartments
Low-income apartments in Clay County
HUD lists 3 properties with homes for low-income households in Clay County: tax-credit apartments (LIHTC) and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 2
- public housing
- 1
372 homes in all; 360 of them low-income, according to HUD.
- Cooper Towers Public housing 120 W Jackson St, Brazil 47834 300 homes, 288 low-income · Run by Brazil Housing Authority · Average payment: $368 a month · Average wait: 8 months · (812) 446-2517
- Lamplight Manor of Brazil Tax credit (LIHTC) 650 E Pinckley St, Brazil 47834 40 low-income homes · 1 bd: 10 · 2 bd: 30 · In service since 2010 · For families
- Village Apts of Brazil Tax credit (LIHTC) 1011 S Forest Ave, Brazil 47834 32 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 1992
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Clay County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Clay County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $17,850 | $29,700 | $47,500 |
| 2 people | $21,640 | $33,950 | $54,300 |
| 3 people | $27,320 | $38,200 | $61,100 |
| 4 people | $33,000 | $42,400 | $67,850 |
| 5 people | $38,680 | $45,800 | $73,300 |
| 6 people | $44,360 | $49,200 | $78,750 |
| 7 people | $50,040 | $52,600 | $84,150 |
| 8 people | $55,720 | $56,000 | $89,600 |
Area median income: $71,400. HUD income limits by family size, Fiscal year 2026. Area: Terre Haute, IN HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $801 – $979
- 1 bedroom $806 – $986
- 2 bedrooms $1,048 – $1,280
- 3 bedrooms $1,248 – $1,526
- 4 bedrooms $1,449 – $1,771
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Brazil Housing Authority Public housing and Section 8 vouchers · 118 vouchers · 288 public housing units (812) 446-2517 Brazil Housing Authority: crissy@brazilha.org
Housing agencies in Indiana Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Indiana
What Indiana law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 45 days
- Ind. Code §32-31-3-12(a)
- If I fall behind on rent, what notice must I get?
- 10 days
- Ind. Code §32-31-1-6
- How much notice before a rent increase?
- 30 days
- Ind. Code §32-31-5-4
- Only a court order can remove youInd. Code §32-31-5-6(c)
- Protection from retaliationInd. Code §32-31-8.5-5
Help
Where to get help with rent in Clay County
This is the nearest HUD-approved agency. They counsel for free or at low cost.
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City of Bloomington - Housing and Neighborhood Development (HAND)
401 N Morton St, Bloomington · 35 miles away
- Mortgage delinquency and default
- Homelessness services
- and 6 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Clay County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Indiana, the average home bill was $133 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,328
What you need before you get the keys.
What adds up
- First month
- $1,164
- Security deposit
- $1,164
- Total
- $2,328
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Clay County?
According to HUD (Fiscal year 2027): Studio: $890; 1 bedroom: $896; 2 bedrooms: $1,164; 3 bedrooms: $1,387; 4 bedrooms: $1,610. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Clay County?
Paying the 2-bedroom fair market rent ($1,164) without spending more than 30% of income takes $22.38 an hour full time, or $46,560 a year.
Who qualifies for Section 8 in Clay County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $42,400 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Clay County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,048 and $1,280 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Clay County?
For 2 bedrooms they run from $1,010 in 47841 to $1,300 in 47853. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Clay County?
HUD lists 3 properties with homes for low-income households in Clay County: tax-credit apartments (LIHTC) and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Clay County?
HUD counts rent as a burden when it reaches 30% of income or more. In Clay County, 32% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).