FY2027 Fair Market Rent · U.S. Virgin Islands
St. Croix Fair Market Rent & Income Limits
HUD's FY2027 Fair Market Rent for a two-bedroom home in St. Croix, VI is $1,237 a month, down 1.0% from FY2026. The area median family income is $66,600, and a family of four counts as low income up to $61,450 a year.
Fair Market Rent by unit size
FY2027 FY2026
Fair Market Rents are gross rents: rent plus the cost of all utilities except phone, cable and internet.
Check your household
Enter your household size and total yearly income before taxes to see which HUD income category it falls in for St. Croix, VI.
Low income (80% limit)
A household of 4 earning $59,450 is under the 80% limit of $61,450 for this area. At 30% of income it could pay about $1,486 a month for rent and utilities.
This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.
Income limits in St. Croix
HUD's FY2026 income limits for St. Croix Island, VI are based on a median family income of $66,600. Programs such as Housing Choice Vouchers, public housing and HOME use the 30%, 50% and 80% columns; Low-Income Housing Tax Credit properties use the 50% and 60% Multifamily Tax Subsidy Project limits.
| People | Extremely low30% / poverty | Very low50% | 60% (LIHTC)MTSP | Low income80% |
|---|---|---|---|---|
| 1 | $16,150 | $26,900 | $32,280 | $43,050 |
| 2 | $18,450 | $30,750 | $36,900 | $49,200 |
| 3 | $20,750 | $34,600 | $41,520 | $55,350 |
| 4 | $23,050 | $38,400 | $46,080 | $61,450 |
| 5 | $24,900 | $41,500 | $49,800 | $66,400 |
| 6 | $26,750 | $44,600 | $53,520 | $71,300 |
| 7 | $28,600 | $47,650 | $57,180 | $76,200 |
| 8 | $30,450 | $50,700 | $60,840 | $81,150 |
HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $57,000 for four people, against the regular $46,080.
Rent history
Since FY2017 the two-bedroom FMR here has gone from $910 to $1,237, up 35.9% over ten years. HUD has published a two-bedroom FMR for this area since FY1983, when it was $397.
What it takes to afford the rent
To keep a two-bedroom rent of $1,237 at no more than 30% of income, the usual affordability rule, a household needs about $49,500 a year. That is 74% of the area median family income of $66,600, so a typical family can afford it with room to spare.
| Unit | FY2027 | FY2026 | FY2025 | Income to affordat 30% |
|---|---|---|---|---|
| Studio | $1,029 | $1,002 | $1,113 | $41,200 |
| 1 bedroom | $1,035 | $1,023 | $1,136 | $41,400 |
| 2 bedrooms | $1,237 | $1,249 | $1,387 | $49,500 |
| 3 bedrooms | $1,497 | $1,504 | $1,671 | $59,900 |
| 4 bedrooms | $1,626 | $1,656 | $1,839 | $65,000 |
How St. Croix compares
St. Croix is outside any metropolitan area, so HUD calculates a separate non-metro Fair Market Rent and income limits for the county itself.
St. Croix has the 3rd highest two-bedroom Fair Market Rent of the 3 counties in U.S. Virgin Islands; the population-weighted average across U.S. Virgin Islands is $1,396 and the nationwide average is $1,751.
Questions
What is the Fair Market Rent in St. Croix, VI for 2027?
For FY2027 (October 1, 2026 to September 30, 2027) HUD's Fair Market Rents in St. Croix, VI are $1,029 for a studio, $1,035 for one bedroom, $1,237 for two bedrooms, $1,497 for three and $1,626 for four bedrooms, per month including utilities.
What is the area median income in St. Croix, VI?
HUD's FY2026 median family income for the area is $66,600, up 2.6% from $64,900 in FY2025.
What is 80% of AMI in St. Croix, VI for a family of 4?
The FY2026 low-income limit (80%) for a household of four is $61,450 a year. The very low-income limit (50%) is $38,400 and the extremely low-income limit is $23,050.
What is the 60% AMI limit for tax credit housing in St. Croix, VI?
Under HUD's FY2026 Multifamily Tax Subsidy Project limits, the 60% limit is $32,280 for one person and $46,080 for four. Some older tax-credit properties here use higher HERA hold-harmless limits.
Is the Fair Market Rent the same as the Section 8 payment standard?
No. Housing agencies set their payment standard between 90% and 110% of the FMR (for a two-bedroom here: $1,113 to $1,361), and can ask HUD for exceptions. Check the payment standard with your local housing agency.