HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Atoka County, Oklahoma (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Atoka County is $916 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$916
-2.2% from FY 2026
Payment standard
$824–$1,008
90% to 110% of the FMR, two-bedroom
Income to afford
$36,640
a year, with rent at 30% of income
Rank in Oklahoma
39th of 77
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 | $703 | $633–$773 | $28,120 | $13.52/hr | -0.3% |
| 1 bedroom | $754 | $679–$829 | $30,160 | $14.50/hr | +1.3% |
| 2 bedroom | $916 | $824–$1,008 | $36,640 | $17.62/hr | -2.2% |
| 3 bedroom | $1,177 | $1,059–$1,295 | $47,080 | $22.63/hr | +0.2% |
| 4 bedroom | $1,290 | $1,161–$1,419 | $51,600 | $24.81/hr | +3.9% |
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 | $1,484 | $1,336–$1,632 |
| 6 bedroom Estimate | $1,677 | $1,509–$1,845 |
| 7 bedroom Estimate | $1,871 | $1,684–$2,058 |
| 8 bedroom Estimate | $2,064 | $1,858–$2,270 |
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 Atoka actually rent for?
Search any address in Atoka 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 Atoka somewhere between $824 and $1,008. 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.
$916 a month is affordable, by HUD's 30% rule, on an income of roughly $36,640 a year. Put another way, $18 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%$824 | Voucher pays at 100%$916 | Voucher pays at 110%$1,008 |
|---|---|---|---|---|
| $2,500 | $750 | $74 | $166 | $258 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went down 2% from FY 2026 ($937) to FY 2027 ($916). Since FY 2020 it's up 34% in total, about 4.2% a year. The Oklahoma median moved down 2% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $511 | $521 | $686 | $903 | $1,020 | — |
| FY 2021 | $549 | $552 | $728 | $1,006 | $1,127 | +6.1% |
| FY 2022 | $581 | $582 | $740 | $1,051 | $1,146 | +1.6% |
| FY 2023 | $619 | $622 | $797 | $1,101 | $1,137 | +7.7% |
| FY 2024 | $677 | $705 | $891 | $1,170 | $1,187 | +11.8% |
| FY 2025 | $678 | $701 | $910 | $1,139 | $1,206 | +2.1% |
| FY 2026 | $705 | $744 | $937 | $1,175 | $1,241 | +3.0% |
| FY 2027In effect | $703 | $754 | $916 | $1,177 | $1,290 | -2.2% |
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 Atoka, that runs from $703 for a studio up to $1,290 for four bedrooms, all five rates in the table above.
Because Atoka 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, Atoka included.
Among Oklahoma's 77 counties, Atoka ranks 39th for two-bedroom FMR. That's within a couple percent of the state median of $916 and about 14% below the national median county at $1,063. About 14,379 people live here, 46th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $920 in 74525 (Atoka) and $1,000 in 74533 (Caney), with the 5 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.
Nearby counties
Two-bedroom FMR, with how each compares to Atoka.
Coal County
21 mi · 5,320 people
$916
same rate
Bryan County
35 mi · 48,253 people
$1,004
+10%
Johnston County
35 mi · 10,278 people
$916
same rate
Pushmataha County
36 mi · 10,790 people
$916
same rate
Choctaw County
39 mi · 14,297 people
$916
same rate
Pittsburg County
41 mi · 43,561 people
$916
same rate
Pontotoc County
44 mi · 38,235 people
$982
+7%
Hughes County
49 mi · 13,389 people
$916
same rate
Questions people ask
$916 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $703 for a studio, $754 for one bedroom, $1,177 for three and $1,290 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 Atoka actually go for?
HUD's number is one input. Search any address in Atoka for a rent estimate built from nearby comps. Free to start, no card.
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