HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Floyd County, Kentucky (FY 2026)
$904 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Floyd County, and it's the baseline every voucher in Floyd is measured against.
2 bedroom FMR
$904
FY 2026, utilities included
Payment standard range
$814 to $994
90% to 110% of FMR
Income to afford 2BR
$36,160
per year, at 30% of income
Rank in Kentucky
58th of 120
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Floyd moves to $925. That's up 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Floyd actually rent for?
Search any address in Floyd for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $646 | $581 to $711 | $25,840 | $12.42/hr | -0.6% |
| 1 bedroom | $689 | $620 to $758 | $27,560 | $13.25/hr | +0.1% |
| 2 bedroom | $904 | $814 to $994 | $36,160 | $17.38/hr | +0.1% |
| 3 bedroom | $1,109 | $998 to $1,220 | $44,360 | $21.33/hr | +1.9% |
| 4 bedroom | $1,212 | $1,091 to $1,333 | $48,480 | $23.31/hr | +1.3% |
5 to 8 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 | $1,394 | $1,255 to $1,533 |
| 6 bedroom Estimate | $1,576 | $1,418 to $1,734 |
| 7 bedroom Estimate | $1,757 | $1,581 to $1,933 |
| 8 bedroom Estimate | $1,939 | $1,745 to $2,133 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
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 2026 that's October 1, 2025 through September 30, 2026. In Floyd, that runs from $646 for a studio up to $1,212 for four bedrooms, all five rates in the table above.
Because Floyd 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, Allen included.
Among Kentucky's 120 counties, Floyd ranks 58th for two-bedroom FMR. That's within a couple percent of the state median of $900 and about 11% below the national median county at $1,018. About 35,780 people live here, 31st in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $870 in 41601 (Allen) and $1,120 in 41619 (Drift), with the 33 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 |
|---|---|---|---|
| 41601 | Allen | $870 | -3.8% |
| 41602 | Auxier | $880 | -2.7% |
| 41603 | Banner | $1,050 | +16.2% |
| 41604 | Beaver | $900 | -0.4% |
| 41605 | Betsy Layne | $1,040 | +15.0% |
| 41606 | Bevinsville | $900 | -0.4% |
| 41607 | Blue River | $910 | +0.7% |
| 41612 | Bypro | $900 | -0.4% |
| 41615 | Dana | $900 | -0.4% |
| 41616 | David | $1,050 | +16.2% |
| 41619 | Drift | $1,120 | +23.9% |
| 41621 | Dwale | $870 | -3.8% |
| 41622 | Eastern | $900 | -0.4% |
| 41630 | Garrett | $1,040 | +15.0% |
| 41631 | Grethel | $900 | -0.4% |
| 41635 | Harold | $1,050 | +16.2% |
| 41636 | Hi Hat | $900 | -0.4% |
| 41640 | Hueysville | $880 | -2.7% |
| 41642 | Ivel | $1,070 | +18.4% |
| 41643 | Lackey | $1,050 | +16.2% |
| 41645 | Langley | $1,020 | +12.8% |
| 41647 | Mc Dowell | $900 | -0.4% |
| 41649 | Martin | $970 | +7.3% |
| 41650 | Melvin | $900 | -0.4% |
| 41651 | Minnie | $870 | -3.8% |
| 41653 | Prestonsburg | $890 | -1.5% |
| 41655 | Printer | $900 | -0.4% |
| 41659 | Stanville | $1,020 | +12.8% |
| 41660 | Teaberry | $900 | -0.4% |
| 41663 | Tram | $1,070 | +18.4% |
| 41666 | Wayland | $1,070 | +18.4% |
| 41667 | Weeksbury | $910 | +0.7% |
| 41669 | Wheelwright | $870 | -3.8% |
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 Floyd somewhere between $814 and $994. 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.
$904 a month is affordable, by HUD's 30% rule, on an income of roughly $36,160 a year. Put another way, $17 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($814) | HAP at 100% ($904) | HAP at 110% ($994) |
|---|---|---|---|---|
| $2,500 | $750 | $64 | $154 | $244 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 0% from FY 2025 ($903) to FY 2026 ($904). Since FY 2020 it's up 43% in total, about 6.2% a year. The Kentucky median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $454 | $488 | $631 | $810 | $1,059 | — |
| FY 2021 | $475 | $503 | $663 | $825 | $1,046 | +5.1% |
| FY 2022 | $482 | $512 | $674 | $833 | $993 | +1.7% |
| FY 2023 | $551 | $577 | $760 | $925 | $1,026 | +12.8% |
| FY 2024 | $636 | $668 | $878 | $1,062 | $1,169 | +15.5% |
| FY 2025 | $650 | $688 | $903 | $1,088 | $1,197 | +2.8% |
| FY 2026 | $646 | $689 | $904 | $1,109 | $1,212 | +0.1% |
| FY 2027 | $661 | $707 | $925 | $1,230 | $1,246 | +2.3% |
Nearby counties
Questions people ask
$904 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $646 for a studio, $689 for one bedroom, $1,109 for three and $1,212 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the 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
See what income a household needs for a given rent.
What does a rental in Floyd actually go for?
HUD's number is one input. Search any address in Floyd for a rent estimate built from nearby comps. 3 free searches, no card.
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