GovCalculator

Fairfield town, CT

HUD draws a Fair Market Rent area around this town alone. The figures below — a two-bedroom rent of $2,511 and an area median family income of $156,800 — are published for the Fairfield town, CT Exception Area, which contains one record: this one.

Connecticut is also the one state in this dataset with no county-level HUD records at all. All 169 Connecticut entries are towns, and each is parented to a planning region rather than a county — which is why this page names the Greater Bridgeport Planning Region where a page in another state would name a county.

HUD county subdivision in Greater Bridgeport Planning Region (Planning Region).

Key HUD figures for Fairfield town, CT

HUD area: Fairfield town, CT Exception Area

Fair Market Rent (2BR)
$2,511

per month

HUD Median Family Income
$156,800

area median family income, per year

Very Low Income (50%) — 4-person
$70,300

annual household limit

Low Income (80%) — 4-person
$112,500

annual household limit

HUD Year
2026

income limits

FMR Year
2026

fair market rents

Compare HUD Median Family Income

Fair Market Rents by bedroom

FY2026 HUD Fair Market Rents applicable to Fairfield town, CT, published for the Fairfield town, CT Exception Area area. Annualized figures are 12 × the monthly rent.
Unit sizeMonthly FMRAnnualized FMR
Studio / efficiency$1,731$20,772
1 bedroom$2,100$25,200
2 bedrooms(reference benchmark)$2,511$30,132
3 bedrooms$3,036$36,432
4 bedrooms$3,598$43,176

Compare 2BR Fair Market Rent

HUD income limits by household size

FY2026 HUD income limits applicable to Fairfield town, CT, published for the Fairfield town, CT Exception Area area, in annual US dollars by household size.
Income limit category1 person2 persons3 persons4 persons5 persons6 persons7 persons8 persons
Extremely Low Income$29,550$33,800$38,000$42,200$45,600$49,000$52,350$55,750
Very Low Income (50%)$49,200$56,250$63,300$70,300$75,950$81,550$87,200$92,800
Low Income (80%)$78,750$90,000$101,250$112,500$121,500$130,500$139,500$148,500

These are HUD income limits for the Fairfield town, CT Exception Area area. They are thresholds published by HUD, not an eligibility determination: individual programs apply their own rules, and adjusted-income definitions (deductions, allowances, and which household members count) can change whether a given household qualifies.

Top of a 24-town plateau, not the top of a gradient

Applicable HUD 2BR FMR
$2,511
Median 2BR FMR across HUD county-subdivision records in CT
$1,865
Difference
+$646
Difference (%)
+34.6%
Rank in state
Tied at 1 of 169

The two-bedroom Fair Market Rent applicable to Fairfield town is above the state median for CT. It is tied at rank 1 of 169 county-subdivision records by 2BR FMR, sharing that rank with 23 other county-subdivision records at the same rent.

Rank 1 is the highest 2BR FMR in the state, and county-subdivision records with an identical rent share a rank. “Approximately at the state median” means within 2% of it. The median is taken across the 169 county-subdivision records published for CT — it is a median across entity records, not weighted by households or population, and not a median over unique HUD areas, so a HUD area covering several entities counts once per entity record. County subdivisions are only ever compared with other county subdivisions, never with counties.

Rank 1 of 169, shared with 23 other towns

Connecticut's two-bedroom Fair Market Rents cluster on a handful of values rather than spreading across a range. Only seven distinct two-bedroom figures cover all 169 Connecticut town records: fifty-five towns publish $1,865, twenty-four publish $2,511, twenty-one publish $1,616, nineteen publish $1,788, nineteen publish $1,866, sixteen publish $1,601 and fifteen publish $1,969.

That makes the gap between first place and second place unusually large: the next value below $2,511 is $1,969; Fairfield's $2,511 figure is 27.5% above it. A town one rank down is not marginally cheaper on paper — it is in a different band entirely. It also means rank 1 describes a plateau of 24 towns rather than a leader.

The 24 towns on that plateau are drawn from 17 different HUD areas: sixteen single-town Exception Areas and the Bridgeport-Stamford-Danbury MSA, which covers Bethel town and seven others. Despite the separate areas, all 24 share the same $156,800 area median family income, so their income limits are identical too. Separate HUD areas do not have to produce different figures, and in this corner of Connecticut they do not.

Rent benchmark vs HUD Median Family Income

Annualized 2BR FMR
$30,132

12 × $2,511

HUD Median Family Income (annual)
$156,800
Annualized 2BR FMR as a share of HUD Median Family Income
19.2%

This is a ratio between two HUD benchmarks for the Fairfield town, CT Exception Area area: the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income. It is not a measured rent burden, not the share of income any particular family spends on housing, and not an affordability or eligibility determination.

Compare FMR-to-MFI benchmark

A single-town Exception Area, inside a planning region

HUD area name
Fairfield town, CT Exception Area
HUD area code
METRO14860M26620
Income limits fiscal year
FY2026
Fair Market Rent fiscal year
FY2026

HUD income limits and Fair Market Rents apply to HUD-defined areas that can cover multiple geographic entities. The values on this page are those assigned to this HUD entity record; entities sharing the same HUD area can have identical figures.

Why this page says planning region, and what an Exception Area is

Connecticut's eight counties, in the Census Bureau's words, "ceased to function as governmental and administrative entities in 1960", and from the 2022 American Community Survey the state's nine Councils of Governments — its planning regions — became the county-equivalent geography for federal statistics (census.gov, accessed 19 August 2026). This record's parent is therefore the Greater Bridgeport Planning Region, which also contains Bridgeport town, Easton, Monroe, Stratford and Trumbull.

The HUD area is a separate construct again. An Exception Area is a rent area HUD draws apart from the surrounding metro, and Connecticut has 25 of them among its 32 HUD areas; corpus-wide they appear only in Connecticut, New York and Puerto Rico. Neighbouring towns in the same planning region can each hold their own — Bridgeport town is its own Exception Area too, with figures identical to these.

None of this changes what the numbers are; it changes what they are numbers about. The rent and income limits on this page describe the Fairfield town area, not the planning region and not the metro. At the far end of the state, Union town publishes Connecticut's lowest two-bedroom rent at $1,601 — yet against its own $126,500 area income that is a 15.2% benchmark, below Fairfield's 19.2%. Lower rent does not automatically mean a lower share of local income.

National economic context

The figures below are federal and national. They are not specific to Fairfield town and do not vary between county subdivisions.

Inflation (official BLS CPI-U national series)

Loading chart…

Fonte Dati: bls.govBLS CPI-U CUUR0000SA0

Mostra Dati in Tabella
Date (YYYY-MM)YearPeriodValue
2023-072023M07305.691
2023-082023M08307.026
2023-092023M09307.789
2023-102023M10307.671
2023-112023M11307.051
2023-122023M12306.746
2024-012024M01308.417
2024-022024M02310.326
2024-032024M03312.332
2024-042024M04313.548
2024-052024M05314.069
2024-062024M06314.175
2024-072024M07314.54
2024-082024M08314.796
2024-092024M09315.301
2024-102024M10315.664
2024-112024M11315.493
2024-122024M12315.605
2025-012025M01317.671
2025-022025M02319.082
2025-032025M03319.799
2025-042025M04320.795
2025-052025M05321.465
2025-062025M06322.561
2025-072025M07323.048
2025-082025M08323.976
2025-092025M09324.8
2025-112025M11324.122
2025-122025M12324.054
2026-012026M01325.252
2026-022026M02326.785
2026-032026M03330.213
2026-042026M04333.02
2026-052026M05335.123
2026-062026M06333.952
2026-072026M07333.918

Purchasing power decision engine

Decision snapshot (server-rendered)

Baseline: HUD Median Family Income adjusted from 2025-07 to 2026-07 using embedded CPI-U monthly series.

Inflation-adjusted HUD Median Family Income
$162,076
Change: $5,276 (3.4%)
Purchasing power status
AT_RISK
  • Adjusted income is near the local median and/or purchasing power decreased materially.
  • This suggests moderate affordability risk under CPI-U adjustment assumptions.
Target income for “STABLE”
$172,480
Gap from adjusted: $10,404
Uses a fixed +10% buffer over the local HUD Median Family Income (v1.0). The buffer is a GovCalculator heuristic, not a government threshold.

Purchasing power decision tool (CPI-U monthly)

This module converts an annual income from 2025-07 into its 2026-07 equivalent using the CPI-U series, then compares it to the HUD Median Family Income for Fairfield town, CT.

The baseline is HUD's Median Family Income for the HUD area, not a Census median household income. The CPI-U series is the official BLS CUUR0000SA0 index, unadjusted; months BLS did not publish are left out rather than interpolated.

HUD Median Family Income (annual): $156,800

Use annual income to align with HUD Median Family Income, which is an annual HUD area benchmark.

Decision output

Inflation-adjusted income
$162,076
Change: $5,276 (3.4%)
Position vs HUD Median Family Income
ABOVE MEDIAN
Gap: $5,276 (3.4%)
Purchasing power status
AT_RISK
  • Adjusted income is near the local median and/or purchasing power decreased materially.
  • This suggests moderate affordability risk under CPI-U adjustment assumptions.
Target income for “STABLE”
$172,480
Gap from adjusted income: $10,404
Uses a fixed +10% buffer over HUD Median Family Income (v1.0).
Methodology & assumptions (v1.0)

Adjusted income is computed as Income × CPI(to) / CPI(from) using CPI-U monthly index values embedded in this page.

  • CPI-U is an aggregate price index for urban consumers; individual consumption patterns may differ.
  • No interpolation is applied; both selected months must exist in the dataset.
  • HUD Median Family Income is treated as the annual reference benchmark for the applicable HUD area, compared to adjusted annual income.
  • This module performs a historical transformation, not a forecast.

IRS reference

Publication 15-T (2026) — Federal Income Tax Withholding Methods. Official IRS publication →

Reference only. GovCalculator does not compute federal income tax withholding. The publication's withholding methods and tables are not ingested or modelled here.

Sources & methodology

HUD income limits and Fair Market Rents are taken from the fiscal-year tables HUD publishes per HUD-defined area — which can include more than one county subdivision — and joined to this county-subdivision record. State comparisons are computed across the 2BR Fair Market Rents of the county-subdivision records in the same state; county subdivisions are never ranked against counties. The median uses the middle value and is not weighted by households or population, rank 1 is the highest rent in the state, and county-subdivision records with identical rents share a rank.

The income figure used throughout this page is HUD's Median Family Income for the HUD area above. It is not a Census median household income and the two are not interchangeable.

The CPI-U series is the official BLS CUUR0000SA0 index, not seasonally adjusted, taken from the published BLS series: 36 published monthly observations. Months BLS did not publish are not interpolated. IRS Publication 15-T is cited as an official reference only — no federal withholding is calculated anywhere on this site.

Verify eligibility requirements with local program administrators: household size, deductions, and program-specific definitions can materially change outcomes.

FAQ

Which fiscal years are shown on this page?

Income limits are FY2026 and Fair Market Rents are FY2026.

What is the Fair Market Rent (2BR) here?

The two-bedroom Fair Market Rent is $2,511 per month. Fair Market Rents for studio through four-bedroom units are listed in the bedroom table above.

Do the income limits on this page decide whether I qualify?

No. They are the thresholds HUD publishes for this area. Programs apply their own rules, and adjusted-income definitions — deductions, allowances, and which household members count — can change the outcome for a given household.

What does the FMR-to-median-family-income share mean?

It is the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income for the same area, here 19.2%. Both inputs are HUD area benchmarks, so it is not a measured rent burden and not an affordability determination.

How does Fairfield town rank within CT?

Its applicable two-bedroom Fair Market Rent is tied at rank 1 of 169 county-subdivision records in CT, shared with 23 other county-subdivision records at the same rent. Rank 1 is the highest rent in the state, county-subdivision records with identical rents share a rank, and county subdivisions are never ranked against counties. That places it above the state median.

Why is Fairfield town a HUD county subdivision rather than a county?

HUD publishes FY2026 income limits and Fair Market Rents for the six New England states at town/city (county subdivision) level, not county level — there is no county-equivalent HUD record for CT. Fairfield town sits in Greater Bridgeport Planning Region, a Planning Region.

Is the CPI-based purchasing power module a forecast?

No. It is a historical adjustment using CPI-U monthly index values: Adjusted = Income × CPI(to) / CPI(from). It does not predict future inflation.

Does this page calculate federal income tax withholding?

No. GovCalculator does not compute federal withholding anywhere. IRS Publication 15-T is cited as an official reference only; its withholding methods and tables are not ingested or modelled here.

What is a HUD "Exception Area", and why is Fairfield one?

An Exception Area is a Fair Market Rent area HUD defines separately from the metropolitan area around it, so the rents are set for that smaller geography rather than the metro as a whole. Fairfield town, CT Exception Area (METRO14860M26620) contains this town and nothing else. Connecticut has 25 Exception Areas among its 32 HUD areas; across the whole GovCalculator dataset they appear only in Connecticut, New York and Puerto Rico.

Why does this page say "planning region" instead of a county?

Because Connecticut no longer has functioning counties. The U.S. Census Bureau's ACS user note records that the state's nine planning regions replaced "the eight counties which ceased to function as governmental and administrative entities in 1960" as county-equivalent geographies from the 2022 American Community Survey. Every one of Connecticut's 169 records in this dataset is a town parented to a planning region; Fairfield's is Greater Bridgeport.

Twenty-four Connecticut towns publish the same $2,511 rent. Do they share income limits too?

Yes, in this case. The 24 towns come from 17 different HUD areas, but all of them carry an area median family income of $156,800, so their income limits match as well. That is not a general rule — two records can share a Fair Market Rent while belonging to areas with very different incomes — but here the separate areas happen to converge on both figures.

Disclaimer: Estimates are informational and may not reflect every program rule or household adjustment. Always consult official guidance for Fairfield town, CT.