Renting · Section 8
Data from November 2026
Renting in Cherokee County, North Carolina
Cherokee County has a HUD fair market rent of $1,012 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $813 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.46 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,012
- a month, HUD, Fiscal year 2027
- 30% less than in North Carolina
- Typical rent
- $813
- a month, Census, Average 2020–2024
- 34% less than in North Carolina
- Wage needed
- $19.46
- an hour, 2 bedrooms
- Or $40,480 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 43%
- spend 30% or more of income on rent
- 11% less than in North Carolina
Only here
Renting in Cherokee County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
At 84%, Cherokee County ranks 3rd among the 100 counties in North Carolina for the highest homeownership rate.
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Nearby, in Graham County, the typical rent is $676: 17% less than in Cherokee County ($813).
-
14% of households in Cherokee County have no internet at home, against 7% in North Carolina.
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 Cherokee 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 | $705 | $13.56 | $28,200 |
| 1 bedroom | $817 | $15.71 | $32,680 |
| 2 bedrooms | $1,012 | $19.46 | $40,480 |
| 3 bedrooms | $1,343 | $25.83 | $53,720 |
| 4 bedrooms | $1,585 | $30.48 | $63,400 |
HUD area: Cherokee County, NC. 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 5 ZIP codes in Cherokee County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,010 in 28901 to $1,140 in 28905. 1 ZIP code is above the county's fair market rent ($1,012).
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)
| 28901 | Cherokee County, NC | $700 | $820 | $1,010 | $1,340 | $1,590 |
|---|---|---|---|---|---|---|
| 28901 | Macon County, NC | $700 | $820 | $1,010 | $1,340 | $1,590 |
| 28905 | Cherokee County, NC | $790 | $920 | $1,140 | $1,510 | $1,790 |
| 28906 | Cherokee County, NC | $800 | $860 | $1,010 | $1,340 | $1,590 |
| 28906 | Clay County, NC | $800 | $860 | $1,010 | $1,340 | $1,590 |
- 28901 · Cherokee County, NC $1,010$1,340
- 28901 · Macon County, NC $1,010$1,340
- 28905 · Cherokee County, NC $1,140$1,510
- 28906 · Cherokee County, NC $1,010$1,340
- 28906 · Clay County, NC $1,010$1,340
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 Cherokee County, 43% of renter households are in that position; in North Carolina, 49%, 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.
43%
of renter households spend 30% or more of their income on rent.
2,158 households rent in Cherokee County
- Spend half or more of their income 17%
- Spend 30% or more, but less than half 26%
- Spend less than 30% 57%
Compared with the state and the country
- Cherokee 43%
- North Carolina 49%
- United States 51%
Low-income apartments
Low-income apartments in Cherokee County
HUD lists 7 properties with homes for low-income households in Cherokee County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 2
- HUD-assisted
- 3
- public housing
- 2
228 homes in all; 226 of them low-income, according to HUD.
- Cool Springs Public housing 102 Cool Springs St, Murphy 28906 84 low-income homes · Run by Housing Programs of the Town of Murphy · Average payment: $394 a month · Average wait: 24 months · Homes at several sites · (828) 837-6662
- Valley River Apartments Public housing 25 Heaton Cir, Andrews 28901 50 low-income homes · Run by Andrews Housing Authority · Average payment: $581 a month · Average wait: 5 months · (828) 321-5257
- Westwind Apartments Tax credit (LIHTC) 353 Kent St, Andrews 28901 42 low-income homes · 1 bd: 20 · 2 bd: 22 · In service since 2012 · For families
- Hopewell Village Apts Tax credit (LIHTC) 67 Natural Springs Dr, Murphy 28906 24 low-income homes · 1 bd: 22 · 2 bd: 2 · In service since 1997 · For older adults
- Andrews Gardens Apts. HUD-assisted 600 Teas St, Andrews 28901 14 low-income homes · For older adults · (828) 321-5257
- Arc/HDS Cherokee Co GH #1 HUD-assisted RT 2 Box 14, Boyd ST, Andrews 28901 7 homes, 6 low-income · For people with disabilities · (828) 321-2165
- Arc/HDS Cherokee Co GH #2 HUD-assisted 33 Gentle Dove Ln, Murphy 28906 7 homes, 6 low-income · For people with disabilities · (828) 837-3225
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 Cherokee County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 3 agencies serve in Cherokee 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 | $16,450 | $27,450 | $43,900 |
| 2 people | $21,640 | $31,350 | $50,150 |
| 3 people | $27,320 | $35,250 | $56,400 |
| 4 people | $33,000 | $39,150 | $62,650 |
| 5 people | $38,680 | $42,300 | $67,700 |
| 6 people | $44,360 | $45,450 | $72,700 |
| 7 people | $48,550 | $48,550 | $77,700 |
| 8 people | $51,700 | $51,700 | $82,700 |
Area median income: $73,900. HUD income limits by family size, Fiscal year 2026. Area: Cherokee County, NC. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $635 – $776
- 1 bedroom $735 – $899
- 2 bedrooms $911 – $1,113
- 3 bedrooms $1,209 – $1,477
- 4 bedrooms $1,427 – $1,744
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
- Four Square Community Action, Inc. Section 8 vouchers · 473 vouchers (828) 321-4475 Four Square Community Action, Inc.: randy.downing@foursq.org
- Housing Programs of the Town of Murphy Public housing · 84 public housing units (828) 837-6662 Housing Programs of the Town of Murphy: murphyha@frontier.com
- Andrews Housing Authority Public housing · 50 public housing units (828) 321-5257 Andrews Housing Authority: heatheraha0304@hotmail.com
Housing agencies in North Carolina Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in North Carolina
What North Carolina 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?
- 30 days
- N.C. Gen. Stat. § 42-52
- If I fall behind on rent, what notice must I get?
- 10 days
- N.C. Gen. Stat. § 42-3
- How much notice ends a month-to-month rental?
- 7 days
- N.C. Gen. Stat. § 42-14
- Only a court order can remove youN.C. Gen. Stat. § 42-25.6
- Protection from retaliationN.C. Gen. Stat. § 42-37.1(b)
Help
Where to get help with rent in Cherokee County
HUD lists no counseling agencies near in Cherokee County. Free legal aid and your housing agency can guide you.
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Cherokee 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 North Carolina, the average home bill was $144 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
$2,024
What you need before you get the keys.
What adds up
- First month
- $1,012
- Security deposit
- $1,012
- Total
- $2,024
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 Cherokee County?
According to HUD (Fiscal year 2027): Studio: $705; 1 bedroom: $817; 2 bedrooms: $1,012; 3 bedrooms: $1,343; 4 bedrooms: $1,585. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Cherokee County?
Paying the 2-bedroom fair market rent ($1,012) without spending more than 30% of income takes $19.46 an hour full time, or $40,480 a year.
Who qualifies for Section 8 in Cherokee County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $39,150 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 Cherokee 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 $911 and $1,113 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Cherokee County?
For 2 bedrooms they run from $1,010 in 28901 to $1,140 in 28905. 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 Cherokee County?
HUD lists 7 properties with homes for low-income households in Cherokee County: tax-credit apartments (LIHTC), HUD-assisted buildings 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 Cherokee County?
HUD counts rent as a burden when it reaches 30% of income or more. In Cherokee County, 43% of renter households are in that position; in North Carolina, 49%, and nationwide, 51% (Average 2020–2024, Census).