HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Todd County, Kentucky (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Todd County is $918 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$918
FY 2026, utilities included
Payment standard range
$826 to $1,010
90% to 110% of FMR
Income to afford 2BR
$36,720
per year, at 30% of income
Rank in Kentucky
51st of 120
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Todd moves to $1,054. That's up 15%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Todd actually rent for?
Search any address in Todd 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 | $656 | $590 to $722 | $26,240 | $12.62/hr | +5.1% |
| 1 bedroom | $700 | $630 to $770 | $28,000 | $13.46/hr | +5.9% |
| 2 bedroom | $918 | $826 to $1,010 | $36,720 | $17.65/hr | +5.9% |
| 3 bedroom | $1,151 | $1,036 to $1,266 | $46,040 | $22.13/hr | +1.1% |
| 4 bedroom | $1,351 | $1,216 to $1,486 | $54,040 | $25.98/hr | +1.1% |
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 | $1,554 | $1,399 to $1,709 |
| 6 bedroom Estimate | $1,756 | $1,580 to $1,932 |
| 7 bedroom Estimate | $1,959 | $1,763 to $2,155 |
| 8 bedroom Estimate | $2,162 | $1,946 to $2,378 |
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 Todd, that runs from $656 for a studio up to $1,351 for four bedrooms, all five rates in the table above.
Because Todd 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, Allensville included.
Among Kentucky's 120 counties, Todd ranks 51st for two-bedroom FMR. That's about 2% above the state median of $900 and about 10% below the national median county at $1,018. About 12,281 people live here, 89th 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 42204 (Allensville) and $1,110 in 42220 (Elkton), with the 6 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 Todd somewhere between $826 and $1,010. 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.
$918 a month is affordable, by HUD's 30% rule, on an income of roughly $36,720 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% ($826) | HAP at 100% ($918) | HAP at 110% ($1,010) |
|---|---|---|---|---|
| $2,500 | $750 | $76 | $168 | $260 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($867) to FY 2026 ($918). Since FY 2020 it's up 41% in total, about 5.9% 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 | $461 | $493 | $649 | $820 | $879 | — |
| FY 2021 | $475 | $503 | $663 | $886 | $899 | +2.2% |
| FY 2022 | $482 | $512 | $674 | $922 | $935 | +1.7% |
| FY 2023 | $538 | $564 | $742 | $1,020 | $1,136 | +10.1% |
| FY 2024 | $616 | $647 | $850 | $1,165 | $1,331 | +14.6% |
| FY 2025 | $624 | $661 | $867 | $1,138 | $1,336 | +2.0% |
| FY 2026 | $656 | $700 | $918 | $1,151 | $1,351 | +5.9% |
| FY 2027 | $753 | $806 | $1,054 | $1,256 | $1,466 | +14.8% |
Nearby counties
Questions people ask
$918 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $656 for a studio, $700 for one bedroom, $1,151 for three and $1,351 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 Todd actually go for?
HUD's number is one input. Search any address in Todd for a rent estimate built from nearby comps. 3 free searches, no card.
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