HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Lawrence County, Kentucky (FY 2026)
A two-bedroom in Lawrence County carries a FY 2026 Fair Market Rent of $926 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Lawrence keys off that figure.
2 bedroom FMR
$926
FY 2026, utilities included
Payment standard range
$833 to $1,019
90% to 110% of FMR
Income to afford 2BR
$37,040
per year, at 30% of income
Rank in Kentucky
49th of 120
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Lawrence moves to $971. That's up 5%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Lawrence actually rent for?
Search any address in Lawrence 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 | $715 | $644 to $787 | $28,600 | $13.75/hr | +12.8% |
| 1 bedroom | $720 | $648 to $792 | $28,800 | $13.85/hr | +7.1% |
| 2 bedroom | $926 | $833 to $1,019 | $37,040 | $17.81/hr | +5.1% |
| 3 bedroom | $1,110 | $999 to $1,221 | $44,400 | $21.35/hr | +3.4% |
| 4 bedroom | $1,341 | $1,207 to $1,475 | $53,640 | $25.79/hr | +8.8% |
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 | $1,542 | $1,388 to $1,696 |
| 6 bedroom Estimate | $1,743 | $1,569 to $1,917 |
| 7 bedroom Estimate | $1,944 | $1,750 to $2,138 |
| 8 bedroom Estimate | $2,146 | $1,931 to $2,361 |
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 Lawrence, that runs from $715 for a studio up to $1,341 for four bedrooms, all five rates in the table above.
Lawrence is its own HUD metro area (Lawrence County, KY), so the rate here is set from rents inside the county rather than a wider region.
Among Kentucky's 120 counties, Lawrence ranks 49th for two-bedroom FMR. That's about 3% above the state median of $900 and about 9% below the national median county at $1,018. About 16,228 people live here, 69th 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 41124 (Blaine) and $930 in 41160 (Mazie), with the 8 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.
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 Lawrence somewhere between $833 and $1,019. 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.
$926 a month is affordable, by HUD's 30% rule, on an income of roughly $37,040 a year. Put another way, $18 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% ($833) | HAP at 100% ($926) | HAP at 110% ($1,019) |
|---|---|---|---|---|
| $2,500 | $750 | $83 | $176 | $269 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 5% from FY 2025 ($881) to FY 2026 ($926). Since FY 2020 it's up 47% in total, about 6.6% 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 | $448 | $494 | $631 | $853 | $885 | — |
| FY 2021 | $475 | $503 | $663 | $898 | $901 | +5.1% |
| FY 2022 | $482 | $512 | $674 | $957 | $1,146 | +1.7% |
| FY 2023 | $538 | $564 | $742 | $1,046 | $1,138 | +10.1% |
| FY 2024 | $616 | $647 | $850 | $1,154 | $1,258 | +14.6% |
| FY 2025 | $634 | $672 | $881 | $1,074 | $1,233 | +3.6% |
| FY 2026 | $715 | $720 | $926 | $1,110 | $1,341 | +5.1% |
| FY 2027 | $794 | $799 | $971 | $1,157 | $1,372 | +4.9% |
Nearby counties
Questions people ask
$926 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $715 for a studio, $720 for one bedroom, $1,110 for three and $1,341 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 Lawrence actually go for?
HUD's number is one input. Search any address in Lawrence for a rent estimate built from nearby comps. 3 free searches, no card.
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