Most of Moorhead is in Clay County, where a full-time job needs to pay at least $22.55 an hour before taxes to take home four times the typical studio rent.
Across the 4 ZIP codes in Moorhead with HUD rent figures, studio rents run from $830 to $840 a month. At the middle rent, $840, a full-time job would need to pay $26.09 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 56560 | Clay County | $840/mo | $26.09/hr |
| 56561 | Clay County | $830/mo | $25.75/hr |
| 56562 | Clay County | $840/mo | $26.09/hr |
| 56563 | Clay County | $840/mo | $26.09/hr |
Under the Four Times Rent standard, a full-time job in Moorhead needs to pay at least $22.55 an hour before taxes, about $46,908 a year. That is the figure for Clay County, where the typical studio rent is $735 a month.
Yes. Across the 4 ZIP codes in Moorhead with HUD rent figures, studio rents run from $830 to $840 a month. At the middle rent of $840, the pay needed would be $26.09 an hour.
The minimum wage in Clay County is $11.41 an hour. The Four Times Rent standard there is 2.0 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads