HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Fulton County, Kentucky (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Fulton County is $866 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$866
-0.1% from FY 2025
Payment standard
$779–$953
90% to 110% of the FMR, two-bedroom
Income to afford
$34,640
a year, with rent at 30% of income
Rank in Kentucky
81st of 120
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Fulton moves to $909. That's up 5%. The full FY 2027 table is in the history section below.
FY 2026 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 2025 |
|---|---|---|---|---|---|
| Studio | $619 | $557–$681 | $24,760 | $11.90/hr | -0.8% |
| 1 bedroom | $660 | $594–$726 | $26,400 | $12.69/hr | -0.2% |
| 2 bedroom | $866 | $779–$953 | $34,640 | $16.65/hr | -0.1% |
| 3 bedroom | $1,204 | $1,084–$1,324 | $48,160 | $23.15/hr | -0.9% |
| 4 bedroom | $1,453 | $1,308–$1,598 | $58,120 | $27.94/hr | -0.2% |
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 | $1,671 | $1,504–$1,838 |
| 6 bedroom Estimate | $1,889 | $1,700–$2,078 |
| 7 bedroom Estimate | $2,107 | $1,896–$2,318 |
| 8 bedroom Estimate | $2,325 | $2,093–$2,558 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Fulton actually rent for?
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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 Fulton somewhere between $779 and $953. 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.
$866 a month is affordable, by HUD's 30% rule, on an income of roughly $34,640 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%$779 | Voucher pays at 100%$866 | Voucher pays at 110%$953 |
|---|---|---|---|---|
| $2,500 | $750 | $29 | $116 | $203 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went down 0% from FY 2025 ($867) to FY 2026 ($866). Since FY 2020 it's up 37% 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 | $476 | $479 | $631 | $786 | $856 | — |
| FY 2021 | $475 | $520 | $663 | $851 | $901 | +5.1% |
| FY 2022 | $482 | $568 | $674 | $874 | $914 | +1.7% |
| FY 2023 | $538 | $635 | $742 | $1,032 | $1,264 | +10.1% |
| FY 2024 | $616 | $672 | $850 | $1,198 | $1,442 | +14.6% |
| FY 2025 | $624 | $661 | $867 | $1,215 | $1,456 | +2.0% |
| FY 2026In effect | $619 | $660 | $866 | $1,204 | $1,453 | -0.1% |
| FY 2027From Oct 1, 2026 | $650 | $695 | $909 | $1,259 | $1,308 | +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 2026 that's October 1, 2025 through September 30, 2026. In Fulton, that runs from $619 for a studio up to $1,453 for four bedrooms, all five rates in the table above.
Because Fulton 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, Fulton included.
Among Kentucky's 120 counties, Fulton ranks 81st for two-bedroom FMR. That's about 4% below the state median of $900 and about 15% below the national median county at $1,018. About 6,480 people live here, 114th in the state.
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 2 ZIP codes it covers in Fulton, the two-bedroom rate is $870 across the board, so there's no ZIP-level story here.
Nearby counties
Two-bedroom FMR, with how each compares to Fulton.
Hickman County
11 mi · 4,491 people
$866
same rate
Carlisle County
20 mi · 4,782 people
$915
+6%
Graves County
24 mi · 36,701 people
$866
same rate
Ballard County
34 mi · 7,742 people
$1,072
+24%
McCracken County
40 mi · 67,573 people
$1,058
+22%
Calloway County
42 mi · 37,345 people
$1,098
+27%
Marshall County
47 mi · 31,706 people
$884
+2%
Livingston County
58 mi · 8,980 people
$1,158
+34%
Questions people ask
$866 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $619 for a studio, $660 for one bedroom, $1,204 for three and $1,453 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 Fulton actually go for?
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