HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Craig County, Oklahoma (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Craig County is $991 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$991
FY 2026, utilities included
Payment standard range
$892 to $1,090
90% to 110% of FMR
Income to afford 2BR
$39,640
per year, at 30% of income
Rank in Oklahoma
25th of 77
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Craig moves to $940. That's down 5%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Craig actually rent for?
Search any address in Craig 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 | $745 | $671 to $820 | $29,800 | $14.33/hr | +5.1% |
| 1 bedroom | $755 | $680 to $831 | $30,200 | $14.52/hr | +4.0% |
| 2 bedroom | $991 | $892 to $1,090 | $39,640 | $19.06/hr | +4.1% |
| 3 bedroom | $1,209 | $1,088 to $1,330 | $48,360 | $23.25/hr | +2.8% |
| 4 bedroom | $1,312 | $1,181 to $1,443 | $52,480 | $25.23/hr | +4.0% |
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 | $1,509 | $1,358 to $1,660 |
| 6 bedroom Estimate | $1,706 | $1,535 to $1,877 |
| 7 bedroom Estimate | $1,902 | $1,712 to $2,092 |
| 8 bedroom Estimate | $2,099 | $1,889 to $2,309 |
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 Craig, that runs from $745 for a studio up to $1,312 for four bedrooms, all five rates in the table above.
Because Craig 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, Vinita included.
Among Oklahoma's 77 counties, Craig ranks 25th for two-bedroom FMR. That's about 6% above the state median of $937 and about 3% below the national median county at $1,018. About 14,144 people live here, 47th 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 74333 (Bluejacket) and $1,100 in 74332 (Big Cabin), with the 4 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 Craig somewhere between $892 and $1,090. 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.
$991 a month is affordable, by HUD's 30% rule, on an income of roughly $39,640 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% ($892) | HAP at 100% ($991) | HAP at 110% ($1,090) |
|---|---|---|---|---|
| $2,500 | $750 | $142 | $241 | $340 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($952) to FY 2026 ($991). Since FY 2020 it's up 40% in total, about 5.8% 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 | $513 | $567 | $706 | $918 | $956 | — |
| FY 2021 | $537 | $590 | $747 | $976 | $1,013 | +5.8% |
| FY 2022 | $585 | $589 | $771 | $1,018 | $1,046 | +3.2% |
| FY 2023 | $627 | $631 | $831 | $1,101 | $1,129 | +7.8% |
| FY 2024 | $696 | $697 | $916 | $1,199 | $1,220 | +10.2% |
| FY 2025 | $709 | $726 | $952 | $1,176 | $1,262 | +3.9% |
| FY 2026 | $745 | $755 | $991 | $1,209 | $1,312 | +4.1% |
| FY 2027 | $714 | $719 | $940 | $1,176 | $1,235 | -5.1% |
Nearby counties
Questions people ask
$991 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $745 for a studio, $755 for one bedroom, $1,209 for three and $1,312 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 Craig actually go for?
HUD's number is one input. Search any address in Craig for a rent estimate built from nearby comps. 3 free searches, no card.
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