HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Bracken County, Kentucky (FY 2027)
$1,442 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Bracken County, and it's the baseline every voucher in Bracken is measured against.
Two-bedroom FMR
$1,442
+6.6% from FY 2026
Payment standard
$1,298–$1,586
90% to 110% of the FMR, two-bedroom
Income to afford
$57,680
a year, with rent at 30% of income
Rank in Kentucky
2nd of 120
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $1,052 | $947–$1,157 | $42,080 | $20.23/hr | +9.8% |
| 1 bedroom | $1,128 | $1,015–$1,241 | $45,120 | $21.69/hr | +7.3% |
| 2 bedroom | $1,442 | $1,298–$1,586 | $57,680 | $27.73/hr | +6.6% |
| 3 bedroom | $1,897 | $1,707–$2,087 | $75,880 | $36.48/hr | +6.3% |
| 4 bedroom | $2,141 | $1,927–$2,355 | $85,640 | $41.17/hr | +8.4% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $2,462 | $2,216–$2,708 |
| 6 bedroom Estimate | $2,783 | $2,505–$3,061 |
| 7 bedroom Estimate | $3,104 | $2,794–$3,414 |
| 8 bedroom Estimate | $3,426 | $3,083–$3,769 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Bracken actually rent for?
Search any address in Bracken for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Bracken somewhere between $1,298 and $1,586. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,442 a month is affordable, by HUD's 30% rule, on an income of roughly $57,680 a year. Put another way, $28 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,298 | Voucher pays at 100%$1,442 | Voucher pays at 110%$1,586 |
|---|---|---|---|---|
| $2,500 | $750 | $548 | $692 | $836 |
| $4,000 | $1,200 | $98 | $242 | $386 |
Rate history
The two-bedroom rate went up 7% from FY 2026 ($1,353) to FY 2027 ($1,442). Since FY 2020 it's up 67% in total, about 7.6% a year. The Kentucky median moved up 3% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $568 | $658 | $865 | $1,185 | $1,362 | — |
| FY 2021 | $604 | $698 | $916 | $1,244 | $1,425 | +5.9% |
| FY 2022 | $643 | $742 | $968 | $1,302 | $1,483 | +5.7% |
| FY 2023 | $731 | $839 | $1,093 | $1,464 | $1,645 | +12.9% |
| FY 2024 | $810 | $919 | $1,195 | $1,588 | $1,766 | +9.3% |
| FY 2025 | $883 | $993 | $1,287 | $1,707 | $1,885 | +7.7% |
| FY 2026 | $958 | $1,051 | $1,353 | $1,785 | $1,976 | +5.1% |
| FY 2027In effect | $1,052 | $1,128 | $1,442 | $1,897 | $2,141 | +6.6% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2027 that's October 1, 2026 through September 30, 2027. In Bracken, that runs from $1,052 for a studio up to $2,141 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Bracken in with 11 other counties in the Cincinnati metro, Hamilton County, Butler County, Warren County among them, and every one of them gets $1,442 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Kentucky's 120 counties, Bracken ranks 2nd for two-bedroom FMR. That's about 56% above the state median of $925 and about 36% above the national median county at $1,063. About 8,444 people live here, 108th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,010 in 41002 (Augusta) and $1,260 in 41044 (Germantown), with the 5 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
Counties sharing the Cincinnati metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,442 two-bedroom figure as Bracken.
Hamilton County
OH · 830,774 people
$1,442
Butler County
OH · 392,876 people
$1,442
Warren County
OH · 250,008 people
$1,442
Clermont County
OH · 211,181 people
$1,442
Kenton County
171,288 people
$1,442
Boone County
139,841 people
$1,442
Campbell County
93,426 people
$1,442
Dearborn County
IN · 51,094 people
$1,442
Pendleton County
14,723 people
$1,442
Gallatin County
8,769 people
$1,442
Ohio County
IN · 5,999 people
$1,442
Nearby counties
Two-bedroom FMR, with how each compares to Bracken.
Robertson County
11 mi · 2,283 people
$909
-37%
Mason County
12 mi · 16,956 people
$1,001
-31%
Pendleton County
18 mi · 14,723 people
$1,442
same rate
Harrison County
21 mi · 19,140 people
$909
-37%
Nicholas County
26 mi · 7,708 people
$909
-37%
Campbell County
29 mi · 93,426 people
$1,442
same rate
Fleming County
30 mi · 15,323 people
$909
-37%
Grant County
30 mi · 25,418 people
$1,146
-21%
Questions people ask
$1,442 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,052 for a studio, $1,128 for one bedroom, $1,897 for three and $2,141 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in Bracken actually go for?
HUD's number is one input. Search any address in Bracken for a rent estimate built from nearby comps. Free to start, no card.
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