HUD Fair Market Rent · FY 2026 · Effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Larue County, Kentucky (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Larue County is $1,056 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$1,056
-1.8% from FY 2025
Payment standard
$950–$1,162
90% to 110% of the FMR, two-bedroom
Income to afford
$42,240
a year, with rent at 30% of income
Rank in Kentucky
33rd of 120
by two-bedroom FMR, highest first
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Larue moves to $1,087. That's up 3%. 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 | $841 | $757–$925 | $33,640 | $16.17/hr | -1.9% |
| 1 bedroom | $846 | $761–$931 | $33,840 | $16.27/hr | -1.9% |
| 2 bedroom | $1,056 | $950–$1,162 | $42,240 | $20.31/hr | -1.8% |
| 3 bedroom | $1,469 | $1,322–$1,616 | $58,760 | $28.25/hr | -2.5% |
| 4 bedroom | $1,771 | $1,594–$1,948 | $70,840 | $34.06/hr | -1.9% |
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 | $2,037 | $1,833–$2,241 |
| 6 bedroom Estimate | $2,302 | $2,072–$2,532 |
| 7 bedroom Estimate | $2,568 | $2,311–$2,825 |
| 8 bedroom Estimate | $2,834 | $2,551–$3,117 |
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 Larue actually rent for?
Search any address in Larue for a rent estimate built from nearby comps, with the HUD figure right next to it.
No card needed
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 Larue somewhere between $950 and $1,162. 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.
$1,056 a month is affordable, by HUD's 30% rule, on an income of roughly $42,240 a year. Put another way, $20 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%$950 | Voucher pays at 100%$1,056 | Voucher pays at 110%$1,162 |
|---|---|---|---|---|
| $2,500 | $750 | $200 | $306 | $412 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went down 2% from FY 2025 ($1,075) to FY 2026 ($1,056). Since FY 2020 it's up 35% in total, about 5.2% 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 | $587 | $593 | $781 | $1,127 | $1,371 | — |
| FY 2021 | $638 | $642 | $846 | $1,211 | $1,465 | +8.3% |
| FY 2022 | $630 | $635 | $835 | $1,161 | $1,412 | -1.3% |
| FY 2023 | $664 | $668 | $868 | $1,189 | $1,479 | +4.0% |
| FY 2024 | $785 | $790 | $1,003 | $1,385 | $1,702 | +15.6% |
| FY 2025 | $857 | $862 | $1,075 | $1,506 | $1,805 | +7.2% |
| FY 2026In effect | $841 | $846 | $1,056 | $1,469 | $1,771 | -1.8% |
| FY 2027From Oct 1, 2026 | $860 | $866 | $1,087 | $1,505 | $1,817 | +2.9% |
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 Larue, that runs from $841 for a studio up to $1,771 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 Larue in with one other county in the Elizabethtown metro, Hardin County among them, and every one of them gets $1,056 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, Larue ranks 33rd for two-bedroom FMR. That's about 17% above the state median of $900 and about 4% above the national median county at $1,018. About 14,902 people live here, 74th in the state.
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 4 ZIP codes it covers in Larue, the two-bedroom rate is $970 across the board, so there's no ZIP-level story here.
Counties sharing the Elizabethtown metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,056 two-bedroom figure as Larue.
Nearby counties
Two-bedroom FMR, with how each compares to Larue.
Green County
15 mi · 11,198 people
$866
-18%
Hart County
17 mi · 19,345 people
$866
-18%
Hardin County
22 mi · 111,005 people
$1,056
same rate
Marion County
22 mi · 19,627 people
$866
-18%
Taylor County
25 mi · 26,056 people
$866
-18%
Nelson County
27 mi · 46,779 people
$1,016
-4%
Adair County
34 mi · 18,887 people
$866
-18%
Metcalfe County
34 mi · 10,313 people
$866
-18%
Questions people ask
$1,056 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $841 for a studio, $846 for one bedroom, $1,469 for three and $1,771 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 Larue actually go for?
HUD's number is one input. Search any address in Larue for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.