HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Trimble County, Kentucky (FY 2026)
A two-bedroom in Trimble County carries a FY 2026 Fair Market Rent of $1,001 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Trimble keys off that figure.
2 bedroom FMR
$1,001
FY 2026, utilities included
Payment standard range
$901 to $1,101
90% to 110% of FMR
Income to afford 2BR
$40,040
per year, at 30% of income
Rank in Kentucky
38th of 120
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Trimble moves to $1,175. That's up 17%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Trimble actually rent for?
Search any address in Trimble 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 | +10.5% |
| 1 bedroom | $780 | $702 to $858 | $31,200 | $15.00/hr | +5.7% |
| 2 bedroom | $1,001 | $901 to $1,101 | $40,040 | $19.25/hr | +11.3% |
| 3 bedroom | $1,320 | $1,188 to $1,452 | $52,800 | $25.38/hr | +11.2% |
| 4 bedroom | $1,325 | $1,193 to $1,458 | $53,000 | $25.48/hr | +11.2% |
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 | $1,524 | $1,372 to $1,676 |
| 6 bedroom Estimate | $1,723 | $1,551 to $1,895 |
| 7 bedroom Estimate | $1,921 | $1,729 to $2,113 |
| 8 bedroom Estimate | $2,120 | $1,908 to $2,332 |
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 Trimble, that runs from $715 for a studio up to $1,325 for four bedrooms, all five rates in the table above.
Because Trimble 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, Bedford included.
Among Kentucky's 120 counties, Trimble ranks 38th for two-bedroom FMR. That's about 11% above the state median of $900 and within a couple percent of the national median county at $1,018. About 8,510 people live here, 107th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $940 in 40045 (Milton) and $1,070 in 40006 (Bedford), with the 2 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 Trimble somewhere between $901 and $1,101. 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.
$1,001 a month is affordable, by HUD's 30% rule, on an income of roughly $40,040 a year. Put another way, $19 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% ($901) | HAP at 100% ($1,001) | HAP at 110% ($1,101) |
|---|---|---|---|---|
| $2,500 | $750 | $151 | $251 | $351 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($899) to FY 2026 ($1,001). Since FY 2020 it's up 15% in total, about 2.3% 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 | $614 | $713 | $872 | $1,174 | $1,331 | — |
| FY 2021 | $649 | $760 | $918 | $1,229 | $1,408 | +5.3% |
| FY 2022 | $585 | $684 | $827 | $1,107 | $1,268 | -9.9% |
| FY 2023 | $538 | $616 | $745 | $997 | $1,142 | -9.9% |
| FY 2024 | $625 | $656 | $862 | $1,144 | $1,148 | +15.7% |
| FY 2025 | $647 | $738 | $899 | $1,187 | $1,192 | +4.3% |
| FY 2026 | $715 | $780 | $1,001 | $1,320 | $1,325 | +11.3% |
| FY 2027 | $840 | $898 | $1,175 | $1,407 | $1,642 | +17.4% |
Nearby counties
Questions people ask
$1,001 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $715 for a studio, $780 for one bedroom, $1,320 for three and $1,325 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 Trimble actually go for?
HUD's number is one input. Search any address in Trimble for a rent estimate built from nearby comps. 3 free searches, no card.
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