Renting · Section 8
Data from November 2026
Renting in Hardeman County, Tennessee
Hardeman County has a HUD fair market rent of $995 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $812 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.13 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $995
- a month, HUD, Fiscal year 2027
- 28% less than in Tennessee
- Typical rent
- $812
- a month, Census, Average 2020–2024
- 32% less than in Tennessee
- Wage needed
- $19.13
- an hour, 2 bedrooms
- Or $39,800 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 55%
- spend 30% or more of income on rent
- 12% more than in Tennessee
Only here
Renting in Hardeman County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Hardeman County has the 3rd largest share of rent-burdened renters of the 93 counties in Tennessee with this figure (55%).
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At $46,069, Hardeman County ranks 6th among the 95 counties in Tennessee for the lowest typical household income.
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16% of households in Hardeman County have no internet at home, against 8% in Tennessee.
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 Hardeman 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 | $761 | $14.63 | $30,440 |
| 1 bedroom | $803 | $15.44 | $32,120 |
| 2 bedrooms | $995 | $19.13 | $39,800 |
| 3 bedrooms | $1,342 | $25.81 | $53,680 |
| 4 bedrooms | $1,380 | $26.54 | $55,200 |
HUD area: Hardeman County, TN. 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 14 ZIP codes in Hardeman County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,000 in 38039 to $1,270 in 38042. 14 ZIP codes are above the county's fair market rent ($995).
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)
| 38008 | Hardeman County, TN | $820 | $860 | $1,070 | $1,440 | $1,480 |
|---|---|---|---|---|---|---|
| 38039 | Hardeman County, TN | $770 | $850 | $1,000 | $1,340 | $1,460 |
| 38039 | Memphis, TN-MS-AR | $770 | $850 | $1,000 | $1,340 | $1,460 |
| 38042 | Hardeman County, TN | $970 | $1,030 | $1,270 | $1,700 | $1,770 |
| 38042 | Memphis, TN-MS-AR | $970 | $1,030 | $1,270 | $1,700 | $1,770 |
| 38044 | Hardeman County, TN | $790 | $870 | $1,140 | $1,510 | $1,590 |
| 38044 | Jackson, TN | $790 | $870 | $1,140 | $1,510 | $1,590 |
| 38044 | McNairy County, TN | $790 | $870 | $1,140 | $1,510 | $1,590 |
| 38052 | Hardeman County, TN | $760 | $800 | $1,000 | $1,340 | $1,380 |
| 38067 | Hardeman County, TN | $760 | $800 | $1,000 | $1,340 | $1,380 |
| 38075 | Hardeman County, TN | $830 | $870 | $1,080 | $1,460 | $1,520 |
| 38075 | Haywood County, TN | $830 | $870 | $1,080 | $1,460 | $1,520 |
| 38075 | Memphis, TN-MS-AR | $830 | $870 | $1,080 | $1,460 | $1,520 |
| 38381 | Hardeman County, TN | $760 | $800 | $1,000 | $1,340 | $1,380 |
- 38008 · Hardeman County, TN $1,070$1,440
- 38039 · Hardeman County, TN $1,000$1,340
- 38039 · Memphis, TN-MS-AR $1,000$1,340
- 38042 · Hardeman County, TN $1,270$1,700
- 38042 · Memphis, TN-MS-AR $1,270$1,700
- 38044 · Hardeman County, TN $1,140$1,510
- 38044 · Jackson, TN $1,140$1,510
- 38044 · McNairy County, TN $1,140$1,510
- 38052 · Hardeman County, TN $1,000$1,340
- 38067 · Hardeman County, TN $1,000$1,340
- 38075 · Hardeman County, TN $1,080$1,460
- 38075 · Haywood County, TN $1,080$1,460
- 38075 · Memphis, TN-MS-AR $1,080$1,460
- 38381 · Hardeman County, TN $1,000$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 Hardeman County, 55% of renter households are in that position; in Tennessee, 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.
55%
of renter households spend 30% or more of their income on rent.
2,578 households rent in Hardeman County
- Spend half or more of their income 26%
- Spend 30% or more, but less than half 28%
- Spend less than 30% 45%
Compared with the state and the country
- Hardeman 55%
- Tennessee 49%
- United States 51%
Low-income apartments
Low-income apartments in Hardeman County
HUD lists 5 properties with homes for low-income households in Hardeman 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
- 2
- public housing
- 1
258 homes in all; 256 of them low-income, according to HUD.
- Hatchie Hav Chickasaw VL Public housing 609 Hatchie Hvn, Bolivar 38008 119 low-income homes · Run by Bolivar Housing Authority · Average payment: $331 a month · Average wait: 29 months · (731) 658-3419
- Raines East Tax credit (LIHTC) 103 Young Rd, Bolivar 38008 64 low-income homes · 1 bd: 24 · 2 bd: 36 · 3 bd: 4 · In service since 2016 · For families
- Pecan Grove HUD-assisted 520 Pecan Dr, Bolivar 38008 40 homes, 39 low-income · For older adults · (731) 658-3140
- Highland Gardens Apartments Tax credit (LIHTC) 910 S Polk St, Bolivar 38008 26 low-income homes · 1 bd: 20 · 2 bd: 6 · In service since 1988
- Quinco Group Home HUD-assisted 333 S Water St, Bolivar 38008 9 homes, 8 low-income · For people with disabilities · (901) 658-6113
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 Hardeman 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 Hardeman 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 | $16,400 | $27,300 | $43,700 |
| 2 people | $21,640 | $31,200 | $49,950 |
| 3 people | $27,320 | $35,100 | $56,200 |
| 4 people | $33,000 | $39,000 | $62,400 |
| 5 people | $38,680 | $42,150 | $67,400 |
| 6 people | $44,360 | $45,250 | $72,400 |
| 7 people | $48,400 | $48,400 | $77,400 |
| 8 people | $51,500 | $51,500 | $82,400 |
Area median income: $71,200. HUD income limits by family size, Fiscal year 2026. Area: Hardeman County, TN. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $685 – $837
- 1 bedroom $723 – $883
- 2 bedrooms $896 – $1,095
- 3 bedrooms $1,208 – $1,476
- 4 bedrooms $1,242 – $1,518
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
- Bolivar Housing Authority Public housing · 119 public housing units (731) 658-3419 Bolivar Housing Authority: staff@bolivarhousingauthority.org
Housing agencies in Tennessee Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Tennessee
What Tennessee 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.
- If I fall behind on rent, what notice must I get?
- 14 days
- T.C.A. §66-28-505(a)(1)-(2)
- How much notice ends a month-to-month rental?
- 30 days
- T.C.A. §66-28-512(b)
Help
Where to get help with rent in Hardeman County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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West Tennessee Legal Services, Incorporated
210 West Main Street, Jackson · 29 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 8 more
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West Tennessee Legal Services, Inc.
210 W Main St, Jackson · 29 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 8 more
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United Housing, Inc.
2750 Colony Park Dr, Memphis · 54 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Hardeman 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 Tennessee, the average home bill was $143 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
$1,990
What you need before you get the keys.
What adds up
- First month
- $995
- Security deposit
- $995
- Total
- $1,990
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 Hardeman County?
According to HUD (Fiscal year 2027): Studio: $761; 1 bedroom: $803; 2 bedrooms: $995; 3 bedrooms: $1,342; 4 bedrooms: $1,380. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Hardeman County?
Paying the 2-bedroom fair market rent ($995) without spending more than 30% of income takes $19.13 an hour full time, or $39,800 a year.
Who qualifies for Section 8 in Hardeman County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $39,000 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 Hardeman 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 $896 and $1,095 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Hardeman County?
For 2 bedrooms they run from $1,000 in 38039 to $1,270 in 38042. 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 Hardeman County?
HUD lists 5 properties with homes for low-income households in Hardeman 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 Hardeman County?
HUD counts rent as a burden when it reaches 30% of income or more. In Hardeman County, 55% of renter households are in that position; in Tennessee, 49%, and nationwide, 51% (Average 2020–2024, Census).