Fair market rents · FY 2027 · effective October 1, 2026
Kentucky fair market rents, FY 2027
The 2-bedroom Fair Market Rent in the median Kentucky county is $925 a month for FY 2027, from $909 to $1,442 across the state. The typical county moved +5.0% from FY 2026 and +34.9% over five years; weighted by population, the state average moved +4.4%. The most populous HUD area, Louisville, KY-IN, is at $1,276 for a 2-bedroom.
FMRs are HUD's estimate of the 40th percentile gross rent (rent plus utilities) paid by recent movers into standard-quality units. Housing agencies set voucher payment standards from them. Source: HUD FY 2027 FMR file, 91 FR 56156 (published September 1, 2026). This site is not HUD.
| FY | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2BR | $720 | $741 | $762 | $771 | $810 | $830 | $916 | $1,069 | $1,096 | $1,106 | $1,155 |
ZIP-level rents required: Cincinnati, OH-KY-IN ; Louisville, KY-IN are mandatory Small Area FMR metros, so voucher payment standards there come from the ZIP figure, not the area figure below. Use the ZIP lookup, or see all 65 mandatory metros.
Every HUD rent area in Kentucky, FY 2027
101 HUD FMR areas cover 120 counties; 20 are metro areas. Monthly gross rent by bedroom count. The trend line is the 2-bedroom FMR from FY 2017 to FY 2027 for the most populous member.
Biggest one-year move up: Trimble County, KY, +17.4%. Biggest move down: Hancock County, KY, −5.3%. HUD caps a one-year drop at 10%.
| HUD area | Studio | 1BR | 2BR | 3BR | 4BR | 1 yr | 5 yr | FY17 to FY27 |
|---|---|---|---|---|---|---|---|---|
| Adair County | 650 | 725 | 909 | 1,259 | 1,310 | +5.0% | +34.9% | |
| Allen County | 774 | 779 | 1,019 | 1,293 | 1,624 | +2.3% | +41.9% | |
| Anderson County | 801 | 1,020 | 1,121 | 1,377 | 1,566 | +7.6% | +49.7% | |
| Ballard County | 822 | 902 | 1,180 | 1,406 | 1,551 | +10.1% | +70.8% | |
| Barren County | 696 | 700 | 916 | 1,171 | 1,331 | +5.5% | +30.9% | |
| Bath County | 650 | 695 | 909 | 1,124 | 1,320 | +5.0% | +34.9% | |
| Bell County | 633 | 787 | 909 | 1,133 | 1,352 | +5.0% | +34.9% | |
| Bowling GreenEdmonson, Warren | 920 | 1,020 | 1,199 | 1,438 | 1,959 | +4.0% | +41.9% | |
| Boyle County | 720 | 725 | 925 | 1,183 | 1,216 | +1.3% | +22.5% | |
| Breathitt County | 650 | 703 | 909 | 1,242 | 1,270 | +5.0% | +34.9% | |
| Breckinridge County | 695 | 720 | 909 | 1,259 | 1,329 | +5.0% | +34.9% | |
| Butler County | 690 | 695 | 909 | 1,190 | 1,195 | +5.0% | +34.9% | |
| Caldwell County | 650 | 695 | 909 | 1,083 | 1,270 | +5.0% | +34.9% | |
| Calloway County | 848 | 883 | 1,155 | 1,376 | 1,518 | +5.2% | +39.0% | |
| Carlisle County | 649 | 798 | 932 | 1,272 | 1,316 | +1.9% | +38.3% | |
| Carroll County | 766 | 819 | 1,072 | 1,277 | 1,409 | +10.1% | +59.1% | |
| Carter County | 745 | 749 | 909 | 1,246 | 1,285 | +5.0% | +34.9% | |
| Casey County | 650 | 835 | 909 | 1,083 | 1,195 | +5.0% | +34.9% | |
| Cincinnati, OH-KY-IN ZBoone, Bracken, Campbell, Gallatin, Kenton, Pendleton | 1,052 | 1,128 | 1,442 | 1,897 | 2,141 | +6.6% | +49.0% | |
| Clarksville, TN-KYChristian, Trigg | 1,061 | 1,068 | 1,307 | 1,786 | 2,185 | −2.9% | +43.6% | |
| Clay County | 650 | 835 | 909 | 1,254 | 1,270 | +5.0% | +34.9% | |
| Clinton County | 650 | 695 | 909 | 1,083 | 1,270 | +5.0% | +34.9% | |
| Crittenden County | 650 | 759 | 909 | 1,083 | 1,270 | +5.0% | +34.9% | |
| Cumberland County | 650 | 819 | 909 | 1,259 | 1,270 | +5.0% | +34.9% | |
| ElizabethtownHardin, Larue | 860 | 866 | 1,087 | 1,505 | 1,817 | +2.9% | +30.2% | |
| Elliott County | 650 | 725 | 909 | 1,259 | 1,270 | +5.0% | +34.9% | |
| Estill County | 650 | 835 | 909 | 1,150 | 1,383 | +5.0% | +34.9% | |
| Fleming County | 650 | 695 | 909 | 1,130 | 1,195 | +5.0% | +34.9% | |
| Floyd County | 661 | 707 | 925 | 1,230 | 1,246 | +2.3% | +37.2% | |
| Franklin County | 797 | 909 | 1,145 | 1,466 | 1,811 | +5.7% | +44.4% | |
| Fulton County | 650 | 695 | 909 | 1,259 | 1,308 | +5.0% | +34.9% | |
| Garrard County | 672 | 864 | 941 | 1,232 | 1,237 | +4.6% | +32.2% | |
| Grant County | 840 | 899 | 1,146 | 1,365 | 1,692 | −0.8% | +38.2% | |
| Graves County | 650 | 695 | 909 | 1,219 | 1,270 | +5.0% | +34.1% | |
| Grayson County | 650 | 779 | 909 | 1,259 | 1,270 | +5.0% | +34.9% | |
| Green County | 650 | 835 | 909 | 1,190 | 1,195 | +5.0% | +34.9% | |
| Hancock County | 693 | 784 | 962 | 1,276 | 1,344 | −5.3% | +14.1% | |
| Harlan County | 691 | 749 | 909 | 1,190 | 1,195 | +5.0% | +34.9% | |
| Harrison County | 650 | 725 | 909 | 1,259 | 1,389 | +5.0% | +34.9% | |
| Hart County | 650 | 796 | 909 | 1,127 | 1,262 | +5.0% | +34.9% | |
| Henderson County | 787 | 792 | 909 | 1,222 | 1,366 | −4.2% | +3.3% | |
| Hickman County | 650 | 695 | 909 | 1,190 | 1,195 | +5.0% | +34.9% | |
| Hopkins County | 701 | 733 | 959 | 1,249 | 1,405 | +6.6% | +36.6% | |
| Huntington-Ashland, WV-KY-OHBoyd, Greenup | 858 | 864 | 1,006 | 1,287 | 1,393 | +3.4% | +27.2% | |
| Jackson County | 650 | 695 | 909 | 1,190 | 1,195 | +5.0% | +34.9% | |
| Johnson County | 650 | 788 | 909 | 1,186 | 1,308 | +5.0% | +34.9% | |
| Knott County | 702 | 784 | 983 | 1,171 | 1,374 | +13.5% | +45.8% | |
| Knox County | 650 | 835 | 909 | 1,179 | 1,519 | +5.0% | +34.9% | |
| Laurel County | 674 | 749 | 943 | 1,124 | 1,315 | +7.0% | +38.5% | |
| Lawrence County | 794 | 799 | 971 | 1,157 | 1,372 | +4.9% | +44.1% | |
| Lee County | 712 | 794 | 996 | 1,187 | 1,392 | +6.1% | +47.8% | |
| Leslie County | 650 | 774 | 909 | 1,183 | 1,270 | +5.0% | +34.9% | |
| Letcher County | 650 | 751 | 909 | 1,094 | 1,328 | +5.0% | +34.9% | |
| Lewis County | 650 | 695 | 909 | 1,156 | 1,270 | +5.0% | +34.9% | |
| Lexington-FayetteBourbon, Clark, Fayette, Jessamine, Scott, Woodford | 986 | 1,205 | 1,416 | 1,948 | 2,108 | +11.3% | +55.3% | |
| Lincoln County | 650 | 793 | 909 | 1,083 | 1,331 | +5.0% | +34.9% | |
| Livingston County | 850 | 937 | 1,220 | 1,454 | 1,723 | +5.4% | +70.9% | |
| Logan County | 652 | 698 | 913 | 1,180 | 1,276 | +5.4% | +32.3% | |
| Louisville, KY-INZBullitt, Henry, Jefferson, Oldham, Spencer | 976 | 1,058 | 1,276 | 1,629 | 1,874 | +0.3% | +32.9% | |
| Lyon County | 650 | 695 | 909 | 1,259 | 1,308 | +5.0% | +28.9% | |
| Madison County | 691 | 859 | 993 | 1,375 | 1,600 | +9.8% | +35.7% | |
| Magoffin County | 650 | 835 | 909 | 1,083 | 1,270 | +5.0% | +34.9% | |
| Marion County | 650 | 736 | 909 | 1,139 | 1,482 | +5.0% | +29.1% | |
| Marshall County | 656 | 824 | 918 | 1,266 | 1,283 | +3.8% | +18.8% | |
| Martin County | 650 | 725 | 909 | 1,133 | 1,270 | +5.0% | +33.5% | |
| Mason County | 715 | 797 | 1,001 | 1,196 | 1,477 | +9.6% | +36.7% | |
| McCracken County | 788 | 924 | 1,131 | 1,348 | 1,616 | +6.9% | +40.1% | |
| McCreary County | 650 | 835 | 909 | 1,147 | 1,270 | +5.0% | +34.9% | |
| Meade County | 799 | 804 | 1,052 | 1,443 | 1,549 | −2.1% | +33.8% | |
| Menifee County | 650 | 725 | 909 | 1,162 | 1,270 | +5.0% | +34.9% | |
| Mercer County | 650 | 725 | 909 | 1,259 | 1,519 | +5.0% | +34.9% | |
| Metcalfe County | 650 | 835 | 909 | 1,191 | 1,270 | +5.0% | +34.9% | |
| Monroe County | 650 | 695 | 909 | 1,259 | 1,314 | +5.0% | +34.9% | |
| Montgomery County | 717 | 767 | 1,004 | 1,314 | 1,320 | +10.9% | +42.6% | |
| Morgan County | 650 | 739 | 909 | 1,256 | 1,503 | +5.0% | +34.9% | |
| Muhlenberg County | 650 | 695 | 909 | 1,083 | 1,220 | +5.0% | +34.9% | |
| Nelson County | 777 | 781 | 1,022 | 1,302 | 1,587 | +0.6% | +41.2% | |
| Nicholas County | 650 | 819 | 909 | 1,259 | 1,270 | +5.0% | +34.9% | |
| Ohio County | 650 | 695 | 909 | 1,178 | 1,415 | +5.0% | +34.9% | |
| Owen County | 730 | 781 | 1,022 | 1,396 | 1,428 | +2.7% | +51.6% | |
| OwensboroDaviess, McLean | 864 | 870 | 1,138 | 1,507 | 1,516 | +2.5% | +35.0% | |
| Owsley County | 650 | 725 | 909 | 1,099 | 1,270 | +5.0% | +34.9% | |
| Perry County | 722 | 772 | 1,010 | 1,203 | 1,327 | +5.3% | +49.9% | |
| Pike County | 763 | 837 | 1,095 | 1,305 | 1,812 | +12.1% | +57.1% | |
| Powell County | 650 | 695 | 909 | 1,259 | 1,519 | +5.0% | +27.3% | |
| Pulaski County | 660 | 706 | 924 | 1,101 | 1,308 | −0.2% | +31.1% | |
| Robertson County | 650 | 695 | 909 | 1,133 | 1,270 | +5.0% | +34.9% | |
| Rockcastle County | 650 | 810 | 909 | 1,174 | 1,270 | +5.0% | +34.9% | |
| Rowan County | 701 | 791 | 977 | 1,252 | 1,633 | +7.2% | +38.8% | |
| Russell County | 650 | 695 | 909 | 1,115 | 1,311 | +5.0% | +34.9% | |
| Shelby County | 873 | 998 | 1,149 | 1,369 | 1,692 | +0.5% | +30.0% | |
| Simpson County | 802 | 984 | 1,122 | 1,491 | 1,568 | +6.4% | +43.5% | |
| Taylor County | 650 | 835 | 909 | 1,259 | 1,270 | +5.0% | +34.9% | |
| Todd County | 753 | 806 | 1,054 | 1,256 | 1,466 | +14.8% | +56.4% | |
| Trimble County | 840 | 898 | 1,175 | 1,407 | 1,642 | +17.4% | +42.1% | |
| Union County | 716 | 742 | 971 | 1,157 | 1,320 | +6.6% | +44.1% | |
| Washington County | 671 | 718 | 939 | 1,300 | 1,343 | +1.1% | +38.9% | |
| Wayne County | 650 | 834 | 909 | 1,259 | 1,519 | +5.0% | +34.9% | |
| Webster County | 650 | 695 | 909 | 1,241 | 1,270 | +5.0% | +34.9% | |
| Whitley County | 690 | 695 | 909 | 1,129 | 1,298 | +5.0% | +34.9% | |
| Wolfe County | 650 | 774 | 909 | 1,133 | 1,270 | +5.0% | +34.9% |
Dollars per month, FY 2027 file as published September 1, 2026; rows marked R show FY 2026. "1 yr" compares the FY 2027 2BR with FY 2026, "5 yr" with FY 2022. HUD's methods changed over these years, so part of any move is method, not market. Area names are HUD's.
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We'll write once when HUD publishes FY 2028 Fair Market Rents, or revised FY 2027 figures, for your ZIP's HUD area in Kentucky. HUD's FY 2028 starts October 1, 2027.
Using these numbers on a rental
The FMR sets the range for voucher payments; it is not a rent estimate for your unit. A housing agency picks a payment standard between 90% and 110% of it, then checks your asking rent against similar unassisted units nearby. Both figures cover rent plus utilities, so the agency's allowance for any utilities the tenant pays comes off the top.
Take a 2-bedroom at $925, a payment standard at 100% of FMR, and a $150 utility allowance (an example; each agency publishes its own schedule). Then the voucher can cover a contract rent of up to $775 ($925 minus $150), with the tenant paying the usual 30% of income. How to underwrite with FMR works through the rest.