HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in McClain County, Oklahoma (FY 2026)
A two-bedroom in McClain County carries a FY 2026 Fair Market Rent of $1,244 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in McClain keys off that figure.
2 bedroom FMR
$1,244
FY 2026, utilities included
Payment standard range
$1,120 to $1,368
90% to 110% of FMR
Income to afford 2BR
$49,760
per year, at 30% of income
Rank in Oklahoma
4th of 77
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in McClain moves to $1,264. That's up 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in McClain actually rent for?
Search any address in McClain 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 | $939 | $845 to $1,033 | $37,560 | $18.06/hr | +6.0% |
| 1 bedroom | $1,017 | $915 to $1,119 | $40,680 | $19.56/hr | +5.8% |
| 2 bedroom | $1,244 | $1,120 to $1,368 | $49,760 | $23.92/hr | +5.4% |
| 3 bedroom | $1,675 | $1,508 to $1,843 | $67,000 | $32.21/hr | +6.3% |
| 4 bedroom | $1,857 | $1,671 to $2,043 | $74,280 | $35.71/hr | +8.0% |
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 | $2,136 | $1,922 to $2,350 |
| 6 bedroom Estimate | $2,414 | $2,173 to $2,655 |
| 7 bedroom Estimate | $2,693 | $2,424 to $2,962 |
| 8 bedroom Estimate | $2,971 | $2,674 to $3,268 |
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 McClain, that runs from $939 for a studio up to $1,857 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps McClain in with 4 other counties in the Oklahoma City metro, Oklahoma County, Cleveland County, Canadian County among them, and every one of them gets $1,244 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Oklahoma's 77 counties, McClain ranks 4th for two-bedroom FMR. That's about 33% above the state median of $937 and about 22% above the national median county at $1,018. About 42,393 people live here, 24th in the state.
Counties sharing the Oklahoma City metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $990 in 74831 (Byars) and $1,350 in 73093 (Washington), with the 7 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 McClain somewhere between $1,120 and $1,368. 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.
$1,244 a month is affordable, by HUD's 30% rule, on an income of roughly $49,760 a year. Put another way, $24 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% ($1,120) | HAP at 100% ($1,244) | HAP at 110% ($1,368) |
|---|---|---|---|---|
| $2,500 | $750 | $370 | $494 | $618 |
| $4,000 | $1,200 | $0 | $44 | $168 |
Rate history
The two-bedroom rate went up 5% from FY 2025 ($1,180) to FY 2026 ($1,244). Since FY 2020 it's up 37% in total, about 5.4% 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 | $684 | $724 | $906 | $1,231 | $1,506 | — |
| FY 2021 | $705 | $738 | $918 | $1,238 | $1,488 | +1.3% |
| FY 2022 | $716 | $746 | $927 | $1,239 | $1,455 | +1.0% |
| FY 2023 | $775 | $821 | $1,016 | $1,353 | $1,536 | +9.6% |
| FY 2024 | $824 | $884 | $1,091 | $1,454 | $1,605 | +7.4% |
| FY 2025 | $886 | $961 | $1,180 | $1,575 | $1,719 | +8.2% |
| FY 2026 | $939 | $1,017 | $1,244 | $1,675 | $1,857 | +5.4% |
| FY 2027 | $958 | $1,040 | $1,264 | $1,713 | $1,923 | +1.6% |
Nearby counties
Cleveland County
$1,24414 mi · pop 295,060
Garvin County
$93725 mi · pop 25,806
Grady County
$1,00425 mi · pop 55,314
Oklahoma County
$1,24432 mi · pop 795,822
Pottawatomie County
$93732 mi · pop 72,734
Canadian County
$1,24440 mi · pop 156,681
Stephens County
$93743 mi · pop 43,140
Murray County
$99446 mi · pop 13,837
Questions people ask
$1,244 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $939 for a studio, $1,017 for one bedroom, $1,675 for three and $1,857 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 McClain actually go for?
HUD's number is one input. Search any address in McClain for a rent estimate built from nearby comps. 3 free searches, no card.
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