HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Ottawa County, Oklahoma (FY 2026)
$937 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Ottawa County, and it's the baseline every voucher in Ottawa is measured against.
2 bedroom FMR
$937
FY 2026, utilities included
Payment standard range
$843 to $1,031
90% to 110% of FMR
Income to afford 2BR
$37,480
per year, at 30% of income
Rank in Oklahoma
69th of 77
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Ottawa moves to $916. That's down 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Ottawa actually rent for?
Search any address in Ottawa 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 | $697 | $627 to $767 | $27,880 | $13.40/hr | +8.9% |
| 1 bedroom | $714 | $643 to $785 | $28,560 | $13.73/hr | +2.9% |
| 2 bedroom | $937 | $843 to $1,031 | $37,480 | $18.02/hr | +3.0% |
| 3 bedroom | $1,183 | $1,065 to $1,301 | $47,320 | $22.75/hr | +3.8% |
| 4 bedroom | $1,241 | $1,117 to $1,365 | $49,640 | $23.87/hr | +1.0% |
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 | $1,427 | $1,284 to $1,570 |
| 6 bedroom Estimate | $1,613 | $1,452 to $1,774 |
| 7 bedroom Estimate | $1,799 | $1,619 to $1,979 |
| 8 bedroom Estimate | $1,986 | $1,787 to $2,185 |
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 Ottawa, that runs from $697 for a studio up to $1,241 for four bedrooms, all five rates in the table above.
Because Ottawa 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, Miami included.
Among Oklahoma's 77 counties, Ottawa ranks 69th for two-bedroom FMR. That's within a couple percent of the state median of $937 and about 8% below the national median county at $1,018. About 30,472 people live here, 32nd 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 74335 (Cardin) and $1,180 in 74358 (North Miami), with the 9 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 Ottawa somewhere between $843 and $1,031. 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.
$937 a month is affordable, by HUD's 30% rule, on an income of roughly $37,480 a year. Put another way, $18 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% ($843) | HAP at 100% ($937) | HAP at 110% ($1,031) |
|---|---|---|---|---|
| $2,500 | $750 | $93 | $187 | $281 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 3% from FY 2025 ($910) to FY 2026 ($937). Since FY 2020 it's up 31% in total, about 4.6% 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 | $469 | $544 | $717 | $893 | $993 | — |
| FY 2021 | $494 | $568 | $748 | $930 | $1,017 | +4.3% |
| FY 2022 | $492 | $562 | $740 | $915 | $1,004 | -1.1% |
| FY 2023 | $538 | $605 | $797 | $984 | $1,080 | +7.7% |
| FY 2024 | $609 | $678 | $891 | $1,109 | $1,224 | +11.8% |
| FY 2025 | $640 | $694 | $910 | $1,140 | $1,229 | +2.1% |
| FY 2026 | $697 | $714 | $937 | $1,183 | $1,241 | +3.0% |
| FY 2027 | $696 | $700 | $916 | $1,154 | $1,204 | -2.2% |
Nearby counties
Questions people ask
$937 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $697 for a studio, $714 for one bedroom, $1,183 for three and $1,241 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 Ottawa actually go for?
HUD's number is one input. Search any address in Ottawa for a rent estimate built from nearby comps. 3 free searches, no card.
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