HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Carter County, Oklahoma (FY 2026)
$1,054 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Carter County, and it's the baseline every voucher in Carter is measured against.
2 bedroom FMR
$1,054
FY 2026, utilities included
Payment standard range
$949 to $1,159
90% to 110% of FMR
Income to afford 2BR
$42,160
per year, at 30% of income
Rank in Oklahoma
15th of 77
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Carter moves to $1,040. That's down 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Carter actually rent for?
Search any address in Carter 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 | $776 | $698 to $854 | $31,040 | $14.92/hr | -1.3% |
| 1 bedroom | $803 | $723 to $883 | $32,120 | $15.44/hr | +1.4% |
| 2 bedroom | $1,054 | $949 to $1,159 | $42,160 | $20.27/hr | +1.4% |
| 3 bedroom | $1,324 | $1,192 to $1,456 | $52,960 | $25.46/hr | +2.5% |
| 4 bedroom | $1,553 | $1,398 to $1,708 | $62,120 | $29.87/hr | +5.9% |
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 | $1,786 | $1,607 to $1,965 |
| 6 bedroom Estimate | $2,019 | $1,817 to $2,221 |
| 7 bedroom Estimate | $2,252 | $2,027 to $2,477 |
| 8 bedroom Estimate | $2,485 | $2,237 to $2,734 |
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 Carter, that runs from $776 for a studio up to $1,553 for four bedrooms, all five rates in the table above.
Because Carter 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, Ardmore included.
Among Oklahoma's 77 counties, Carter ranks 15th for two-bedroom FMR. That's about 12% above the state median of $937 and about 4% above the national median county at $1,018. About 48,202 people live here, 17th 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 73435 (Fox) and $1,100 in 73401 (Ardmore), with the 13 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 73401 | Ardmore | $1,100 | +4.4% |
| 73402 | Ardmore | $1,050 | -0.4% |
| 73403 | Ardmore | $1,050 | -0.4% |
| 73435 | Fox | $940 | -10.8% |
| 73436 | Gene Autry | $940 | -10.8% |
| 73437 | Graham | $1,010 | -4.2% |
| 73438 | Healdton | $940 | -10.8% |
| 73443 | Lone Grove | $1,080 | +2.5% |
| 73458 | Springer | $1,090 | +3.4% |
| 73463 | Wilson | $940 | -10.8% |
| 73481 | Ratliff City | $940 | -10.8% |
| 73487 | Tatums | $1,000 | -5.1% |
| 73488 | Tussy | $940 | -10.8% |
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 Carter somewhere between $949 and $1,159. 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.
$1,054 a month is affordable, by HUD's 30% rule, on an income of roughly $42,160 a year. Put another way, $20 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% ($949) | HAP at 100% ($1,054) | HAP at 110% ($1,159) |
|---|---|---|---|---|
| $2,500 | $750 | $199 | $304 | $409 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 1% from FY 2025 ($1,039) to FY 2026 ($1,054). Since FY 2020 it's up 47% in total, about 6.6% a year. The Oklahoma median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $570 | $601 | $717 | $893 | $971 | — |
| FY 2021 | $642 | $649 | $781 | $971 | $1,134 | +8.9% |
| FY 2022 | $634 | $638 | $793 | $996 | $1,257 | +1.5% |
| FY 2023 | $688 | $692 | $884 | $1,105 | $1,341 | +11.5% |
| FY 2024 | $743 | $748 | $983 | $1,232 | $1,474 | +11.2% |
| FY 2025 | $786 | $792 | $1,039 | $1,292 | $1,466 | +5.7% |
| FY 2026 | $776 | $803 | $1,054 | $1,324 | $1,553 | +1.4% |
| FY 2027 | $762 | $836 | $1,040 | $1,318 | $1,548 | -1.3% |
Nearby counties
Questions people ask
$1,054 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $776 for a studio, $803 for one bedroom, $1,324 for three and $1,553 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 Carter actually go for?
HUD's number is one input. Search any address in Carter for a rent estimate built from nearby comps. 3 free searches, no card.
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