HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Breckinridge County, Kentucky (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Breckinridge County is $909 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$909
+5.0% from FY 2026
Payment standard
$818–$1,000
90% to 110% of the FMR, two-bedroom
Income to afford
$36,360
a year, with rent at 30% of income
Rank in Kentucky
70th 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 | $695 | $626–$765 | $27,800 | $13.37/hr | +1.3% |
| 1 bedroom | $720 | $648–$792 | $28,800 | $13.85/hr | +4.3% |
| 2 bedroom | $909 | $818–$1,000 | $36,360 | $17.48/hr | +5.0% |
| 3 bedroom | $1,259 | $1,133–$1,385 | $50,360 | $24.21/hr | +4.6% |
| 4 bedroom | $1,329 | $1,196–$1,462 | $53,160 | $25.56/hr | +9.9% |
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 | $1,528 | $1,375–$1,681 |
| 6 bedroom Estimate | $1,728 | $1,555–$1,901 |
| 7 bedroom Estimate | $1,927 | $1,734–$2,120 |
| 8 bedroom Estimate | $2,126 | $1,913–$2,339 |
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 Breckinridge actually rent for?
Search any address in Breckinridge 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 Breckinridge somewhere between $818 and $1,000. 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.
$909 a month is affordable, by HUD's 30% rule, on an income of roughly $36,360 a year. Put another way, $17 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%$818 | Voucher pays at 100%$909 | Voucher pays at 110%$1,000 |
|---|---|---|---|---|
| $2,500 | $750 | $68 | $159 | $250 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 5% from FY 2026 ($866) to FY 2027 ($909). Since FY 2020 it's up 44% in total, about 5.4% 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 | $498 | $501 | $631 | $786 | $937 | — |
| FY 2021 | $554 | $557 | $663 | $825 | $899 | +5.1% |
| FY 2022 | $499 | $591 | $674 | $833 | $914 | +1.7% |
| FY 2023 | $538 | $646 | $742 | $952 | $997 | +10.1% |
| FY 2024 | $616 | $729 | $850 | $1,128 | $1,132 | +14.6% |
| FY 2025 | $701 | $706 | $867 | $1,145 | $1,149 | +2.0% |
| FY 2026 | $686 | $690 | $866 | $1,204 | $1,209 | -0.1% |
| FY 2027In effect | $695 | $720 | $909 | $1,259 | $1,329 | +5.0% |
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 Breckinridge, that runs from $695 for a studio up to $1,329 for four bedrooms, all five rates in the table above.
Because Breckinridge sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Cloverport included.
Among Kentucky's 120 counties, Breckinridge ranks 70th for two-bedroom FMR. That's within a couple percent of the state median of $925 and about 14% below the national median county at $1,063. About 20,881 people live here, 54th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $910 in 40111 (Cloverport) and $1,140 in 40115 (Custer), with the 13 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 40111 | Cloverport | $910 | +0.1% |
| 40115 | Custer | $1,140 | +25.4% |
| 40140 | Garfield | $960 | +5.6% |
| 40143 | Hardinsburg | $910 | +0.1% |
| 40144 | Harned | $910 | +0.1% |
| 40145 | Hudson | $910 | +0.1% |
| 40146 | Irvington | $970 | +6.7% |
| 40152 | Mc Daniels | $910 | +0.1% |
| 40153 | Mc Quady | $910 | +0.1% |
| 40170 | Stephensport | $910 | +0.1% |
| 40171 | Union Star | $970 | +6.7% |
| 40176 | Webster | $970 | +6.7% |
| 40178 | Westview | $910 | +0.1% |
Nearby counties
Two-bedroom FMR, with how each compares to Breckinridge.
Meade County
16 mi · 30,158 people
$1,052
+16%
Grayson County
22 mi · 26,707 people
$909
same rate
Hancock County
22 mi · 9,034 people
$962
+6%
Hardin County
25 mi · 111,942 people
$1,087
+20%
Ohio County
33 mi · 23,735 people
$909
same rate
Daviess County
39 mi · 103,648 people
$1,138
+25%
Edmonson County
39 mi · 12,355 people
$1,199
+32%
Bullitt County
42 mi · 84,027 people
$1,276
+40%
Questions people ask
$909 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $695 for a studio, $720 for one bedroom, $1,259 for three and $1,329 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 Breckinridge actually go for?
HUD's number is one input. Search any address in Breckinridge for a rent estimate built from nearby comps. Free to start, no card.
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