How much will Section 8 pay for rent in Gallatin County?

Up to the housing authority's payment standard, which it sets between 90% and 110% of FMR. For a two-bedroom that's $1,298 to $1,586. The voucher covers the gap between that standard and about 30% of the tenant's income, and it never pays more than the unit would rent for without a voucher.

Does Gallatin County have its own Fair Market Rent?

No. It uses the Cincinnati metro rate, shared with 11 other counties. HUD sets one FMR for the whole metro area, so Gallatin gets the same $1,442 two-bedroom figure as Hamilton County.

Why does my ZIP code show a different Fair Market Rent than Gallatin County?

HUD publishes a second set of numbers, Small Area FMRs, for individual ZIP codes. In Gallatin those run from $1,040 to $1,430 for a two-bedroom. Housing authorities in metros HUD has designated for Small Area FMRs use the ZIP rate. The rest use the county rate. Your PHA can tell you which one applies.

When do the next Fair Market Rents for Gallatin County come out?

HUD usually publishes the new fiscal year's rates in late August or September, and they take effect October 1. This page updates as soon as the new Kentucky figures are loaded.

HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027

Fair Market Rent in Gallatin County, Kentucky (FY 2027)

$1,442 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Gallatin County, and it's the baseline every voucher in Gallatin 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

4th 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 Gallatin actually rent for?

Search any address in Gallatin 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 Gallatin 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

Run your own numbers in the Section 8 rent calculator

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 Gallatin, 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 Gallatin 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, Gallatin ranks 4th 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 8,769 people live here, 106th in the state.

Rates by ZIP code

Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,040 in 41095 (Warsaw) and $1,430 in 41046 (Glencoe), with the 3 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
41046	Glencoe	$1,430	-0.8%
41086	Sparta	$1,100	-23.7%
41095	Warsaw	$1,040	-27.9%

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 Gallatin.

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

Bracken County

8,444 people

$1,442

Ohio County

IN · 5,999 people

$1,442

Nearby counties

Two-bedroom FMR, with how each compares to Gallatin.

Carroll County

13 mi · 10,954 people

$1,072

-26%

Grant County

14 mi · 25,418 people

$1,146

-21%

Owen County

14 mi · 11,330 people

$1,022

-29%

Boone County

18 mi · 139,841 people

$1,442

same rate

Kenton County

24 mi · 171,288 people

$1,442

same rate

Pendleton County

25 mi · 14,723 people

$1,442

same rate

Henry County

26 mi · 15,856 people

$1,276

-12%

Trimble County

27 mi · 8,550 people

$1,175

-19%

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

All Kentucky counties All states

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

Fair Market Rent in Gallatin County, Kentucky (FY 2027)

FY 2027 Fair Market Rents

HUD's number is one input. What does a two-bedroom in Gallatin actually rent for?

What a voucher pays here

Rate history

About this rate

Rates by ZIP code

Counties sharing the Cincinnati metro rate

Nearby counties

Questions people ask

Tools for this county

What does a rental in Gallatin actually go for?