Renting · Section 8
Data from November 2026
Renting in Montgomery County, Tennessee
Montgomery County has a HUD fair market rent of $1,307 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,308 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $25.13 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,307
- a month, HUD, Fiscal year 2027
- 5% less than in Tennessee
- Typical rent
- $1,308
- a month, Census, Average 2020–2024
- 10% more than in Tennessee
- Wage needed
- $25.13
- an hour, 2 bedrooms
- Or $52,280 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 46%
- spend 30% or more of income on rent
- 5% less than in Tennessee
Only here
Renting in Montgomery County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Houston County has the lowest typical rent ($735), 44% below the $1,308 in Montgomery County.
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Montgomery County has the 7th lowest homeownership rate of the 95 counties in Tennessee (62%).
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Montgomery County has the 7th highest typical rent of the 95 counties in Tennessee ($1,308).
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 Montgomery 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)
According to Zillow (ZORI), the typical asking rent in Montgomery County was $1,371 a month in September 2026: 2.1% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,061 | $20.40 | $42,440 |
| 1 bedroom | $1,068 | $20.54 | $42,720 |
| 2 bedrooms | $1,307 | $25.13 | $52,280 |
| 3 bedrooms | $1,786 | $34.35 | $71,440 |
| 4 bedrooms | $2,185 | $42.02 | $87,400 |
HUD area: Clarksville, TN-KY 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 11 ZIP codes in Montgomery County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,190 in 37052 to $1,570 in 42223. 6 ZIP codes are above the county's fair market rent ($1,307).
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)
| 37040 | Clarksville, TN-KY | $1,100 | $1,100 | $1,350 | $1,850 | $2,260 |
|---|---|---|---|---|---|---|
| 37042 | Clarksville, TN-KY | $1,100 | $1,110 | $1,360 | $1,860 | $2,270 |
| 37043 | Clarksville, TN-KY | $1,120 | $1,130 | $1,380 | $1,890 | $2,310 |
| 37043 | Nashville-Davidson--Murfreesboro--Franklin, TN | $1,120 | $1,130 | $1,380 | $1,890 | $2,310 |
| 37052 | Clarksville, TN-KY | $1,040 | $1,060 | $1,190 | $1,540 | $1,870 |
| 37052 | Nashville-Davidson--Murfreesboro--Franklin, TN | $1,040 | $1,060 | $1,190 | $1,540 | $1,870 |
| 37142 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 37171 | Clarksville, TN-KY | $1,040 | $1,060 | $1,190 | $1,510 | $1,830 |
| 37171 | Nashville-Davidson--Murfreesboro--Franklin, TN | $1,040 | $1,060 | $1,190 | $1,510 | $1,830 |
| 37191 | Clarksville, TN-KY | $1,110 | $1,120 | $1,370 | $1,880 | $2,290 |
| 42223 | Clarksville, TN-KY | $1,270 | $1,280 | $1,570 | $2,150 | $2,620 |
- 37040 · Clarksville, TN-KY $1,350$1,850
- 37042 · Clarksville, TN-KY $1,360$1,860
- 37043 · Clarksville, TN-KY $1,380$1,890
- 37043 · Nashville-Davidson--Murfreesboro--Franklin, TN $1,380$1,890
- 37052 · Clarksville, TN-KY $1,190$1,540
- 37052 · Nashville-Davidson--Murfreesboro--Franklin, TN $1,190$1,540
- 37142 · Clarksville, TN-KY $1,220$1,690
- 37171 · Clarksville, TN-KY $1,190$1,510
- 37171 · Nashville-Davidson--Murfreesboro--Franklin, TN $1,190$1,510
- 37191 · Clarksville, TN-KY $1,370$1,880
- 42223 · Clarksville, TN-KY $1,570$2,150
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 Montgomery County, 46% 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.
46%
of renter households spend 30% or more of their income on rent.
33,457 households rent in Montgomery County
- Spend half or more of their income 20%
- Spend 30% or more, but less than half 27%
- Spend less than 30% 54%
Compared with the state and the country
- Montgomery 46%
- Tennessee 49%
- United States 51%
Low-income apartments
Low-income apartments in Montgomery County
HUD lists 21 properties with homes for low-income households in Montgomery 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)
- 12
- HUD-assisted
- 6
- public housing
- 3
1,904 homes in all; 1,896 of them low-income, according to HUD.
- Lincoln Homes Public housing 18A Lincoln Dr, Clarksville 37040 262 homes, 257 low-income · Run by The Clarksville Housing Authority · Average payment: $282 a month · Average wait: 13 months · (931) 647-2303
- Summit Heights Public housing 1A Summit Hts, Clarksville 37040 246 low-income homes · Run by The Clarksville Housing Authority · Average payment: $300 a month · Average wait: 11 months · (931) 647-2303
- South Central Village Apts of Clarksville HUD-assisted 1420 Paradise Hill Rd, Clarksville 37043 134 homes, 133 low-income · For older adults · (931) 645-1274
- Cumberland Manor Apts Tax credit (LIHTC) 1121 Riverwood Pl, Clarksville 37040 132 low-income homes · 1 bd: 32 · 2 bd: 76 · 3 bd: 24 · In service since 1996 · For families
- Orchard Park Apts I Tax credit (LIHTC) 375 S Lancaster Rd, Clarksville 37042 112 low-income homes · 1 bd: 16 · 2 bd: 64 · 3 bd: 32 · In service since 2001 · For people with disabilities, families
- Orchard Park II Tax credit (LIHTC) 376 S Lancaster Rd, Clarksville 37042 112 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 55 · In service since 2004 · For people with disabilities, families
- Ramblewood Apartments HUD-assisted 2400 Ramblewood Dr, Clarksville 37040 112 low-income homes · For families · (931) 645-4480
- Ramblewood Apts Tax credit (LIHTC) 2404 Ramblewood Dr, Clarksville 37040 112 low-income homes · 1 bd: 32 · 2 bd: 72 · 3 bd: 8 · In service since 2006 · For families
- Needmore Place Tax credit (LIHTC) 290 Needmore Rd, Clarksville 37040 100 low-income homes · 2 bd: 62 · 3 bd: 38 · In service since 2012 · For families
- Fieldstone Village Tax credit (LIHTC) 2924 Dunlop Ln, Clarksville 37043 96 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 36 · In service since 2020 · For people with disabilities
- Miller Town Apts Tax credit (LIHTC) 395 N 1st St, Clarksville 37040 96 low-income homes · 2 bd: 56 · 3 bd: 40 · In service since 2002 · For families
- Crossland Place Apts Tax credit (LIHTC) 441 Kelly Ln, Clarksville 37040 80 low-income homes · 2 bd: 59 · 3 bd: 21 · In service since 2007 · For people with disabilities, families
- Vinings at Greencastle Tax credit (LIHTC) 2675 Wilson Rd, Clarksville 37043 80 low-income homes · In service since 2013 · For older adults
- Clarksville Heights Apts Tax credit (LIHTC) 500 Kraft St, Clarksville 37040 64 low-income homes · 1 bd: 8 · 2 bd: 32 · 3 bd: 24 · In service since 2008 · For people with disabilities, families
- Sunset Village Apartments HUD-assisted 151 Wallace Blvd, Clarksville 37042 64 low-income homes · For families · (931) 431-4186
- Crossland Manor Apts Tax credit (LIHTC) 1000 Crossland Ave, Clarksville 37040 48 low-income homes · 2 bd: 36 · 3 bd: 12 · In service since 2008 · For people with disabilities, families
- Amber Pointe Apts Tax credit (LIHTC) 2119 Ringgold Ct, Clarksville 37042 24 low-income homes · 2 bd: 12 · 3 bd: 12 · In service since 2003 · For families
- McAullife Apartments HUD-assisted 2301 Formal Dr, Clarksville 37042 15 homes, 14 low-income · For people with disabilities · (931) 645-3636
- Meriwether Lewis Group Home HUD-assisted 2807 Trough Springs Rd, Clarksville 37043 10 homes, 9 low-income · For people with disabilities · (931) 368-0037
- Walnut Grove Supportive Housing HUD-assisted 651 W Thompkins Ln, Clarksville 37043 3 low-income homes · For people with disabilities
- Chapel Street Public housing 118 Chapel St, Clarksville 37042 2 low-income homes · Run by The Clarksville Housing Authority · (931) 647-2303
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 Montgomery 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 Montgomery 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 | $19,750 | $32,850 | $52,550 |
| 2 people | $22,550 | $37,550 | $60,050 |
| 3 people | $27,320 | $42,250 | $67,550 |
| 4 people | $33,000 | $46,900 | $75,050 |
| 5 people | $38,680 | $50,700 | $81,100 |
| 6 people | $44,360 | $54,450 | $87,100 |
| 7 people | $50,040 | $58,200 | $93,100 |
| 8 people | $55,720 | $61,950 | $99,100 |
Area median income: $93,800. HUD income limits by family size, Fiscal year 2026. Area: Clarksville, TN-KY HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $955 – $1,167
- 1 bedroom $961 – $1,175
- 2 bedrooms $1,176 – $1,438
- 3 bedrooms $1,607 – $1,965
- 4 bedrooms $1,967 – $2,404
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
- The Clarksville Housing Authority Public housing · 505 public housing units (931) 647-2303 The Clarksville Housing Authority: dsgarrett@clarksvillehousing.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 Montgomery County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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Affordable Housing Resources of Nashville, Inc
1 Vantage Way Ste C130, Nashville · 39 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
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New Level Community Development Corporation
1112 Jefferson St, Nashville · 40 miles away
- Budget and financial counseling
- Fair housing pre-purchase workshops
- and 4 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Montgomery 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
$2,614
What you need before you get the keys.
What adds up
- First month
- $1,307
- Security deposit
- $1,307
- Total
- $2,614
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 Montgomery County?
According to HUD (Fiscal year 2027): Studio: $1,061; 1 bedroom: $1,068; 2 bedrooms: $1,307; 3 bedrooms: $1,786; 4 bedrooms: $2,185. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Montgomery County?
Paying the 2-bedroom fair market rent ($1,307) without spending more than 30% of income takes $25.13 an hour full time, or $52,280 a year.
Who qualifies for Section 8 in Montgomery County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $46,900 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 Montgomery 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 $1,176 and $1,438 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Montgomery County?
For 2 bedrooms they run from $1,190 in 37052 to $1,570 in 42223. 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 Montgomery County?
HUD lists 21 properties with homes for low-income households in Montgomery 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 Montgomery County?
HUD counts rent as a burden when it reaches 30% of income or more. In Montgomery County, 46% of renter households are in that position; in Tennessee, 49%, and nationwide, 51% (Average 2020–2024, Census).