HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in McKean County, Pennsylvania (FY 2026)
$973 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in McKean County, and it's the baseline every voucher in McKean is measured against.
2 bedroom FMR
$973
FY 2026, utilities included
Payment standard range
$876 to $1,070
90% to 110% of FMR
Income to afford 2BR
$38,920
per year, at 30% of income
Rank in Pennsylvania
60th of 67
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in McKean moves to $1,014. That's up 4%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in McKean actually rent for?
Search any address in McKean 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 | $708 | $637 to $779 | $28,320 | $13.62/hr | +6.6% |
| 1 bedroom | $832 | $749 to $915 | $33,280 | $16.00/hr | +12.6% |
| 2 bedroom | $973 | $876 to $1,070 | $38,920 | $18.71/hr | +7.2% |
| 3 bedroom | $1,219 | $1,097 to $1,341 | $48,760 | $23.44/hr | +6.6% |
| 4 bedroom | $1,447 | $1,302 to $1,592 | $57,880 | $27.83/hr | +9.6% |
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 | $1,664 | $1,498 to $1,830 |
| 6 bedroom Estimate | $1,881 | $1,693 to $2,069 |
| 7 bedroom Estimate | $2,098 | $1,888 to $2,308 |
| 8 bedroom Estimate | $2,315 | $2,084 to $2,547 |
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 McKean, that runs from $708 for a studio up to $1,447 for four bedrooms, all five rates in the table above.
Because McKean 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, Ludlow included.
Among Pennsylvania's 67 counties, McKean ranks 60th for two-bedroom FMR. That's about 14% below the state median of $1,138 and about 4% below the national median county at $1,018. About 40,459 people live here, 52nd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 16729 (Duke Center) and $1,050 in 16738 (Lewis Run), with the 19 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 |
|---|---|---|---|
| 16333 | Ludlow | $990 | +1.7% |
| 16701 | Bradford | $990 | +1.7% |
| 16724 | Crosby | $980 | +0.7% |
| 16725 | Custer City | $990 | +1.7% |
| 16726 | Cyclone | $1,010 | +3.8% |
| 16727 | Derrick City | $980 | +0.7% |
| 16729 | Duke Center | $970 | -0.3% |
| 16730 | East Smethport | $980 | +0.7% |
| 16731 | Eldred | $970 | -0.3% |
| 16732 | Gifford | $990 | +1.7% |
| 16733 | Hazel Hurst | $970 | -0.3% |
| 16735 | Kane | $970 | -0.3% |
| 16738 | Lewis Run | $1,050 | +7.9% |
| 16740 | Mount Jewett | $970 | -0.3% |
| 16743 | Port Allegany | $1,030 | +5.9% |
| 16744 | Rew | $980 | +0.7% |
| 16745 | Rixford | $970 | -0.3% |
| 16749 | Smethport | $980 | +0.7% |
| 16750 | Turtlepoint | $1,000 | +2.8% |
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 McKean somewhere between $876 and $1,070. 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.
$973 a month is affordable, by HUD's 30% rule, on an income of roughly $38,920 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% ($876) | HAP at 100% ($973) | HAP at 110% ($1,070) |
|---|---|---|---|---|
| $2,500 | $750 | $126 | $223 | $320 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 7% from FY 2025 ($908) to FY 2026 ($973). Since FY 2020 it's up 36% in total, about 5.3% a year. The Pennsylvania median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $507 | $550 | $714 | $890 | $988 | — |
| FY 2021 | $546 | $549 | $724 | $901 | $1,013 | +1.4% |
| FY 2022 | $572 | $576 | $757 | $948 | $1,072 | +4.6% |
| FY 2023 | $605 | $636 | $821 | $1,030 | $1,190 | +8.5% |
| FY 2024 | $616 | $674 | $845 | $1,073 | $1,251 | +2.9% |
| FY 2025 | $664 | $739 | $908 | $1,144 | $1,320 | +7.5% |
| FY 2026 | $708 | $832 | $973 | $1,219 | $1,447 | +7.2% |
| FY 2027 | $749 | $891 | $1,014 | $1,232 | $1,521 | +4.2% |
Nearby counties
Questions people ask
$973 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $708 for a studio, $832 for one bedroom, $1,219 for three and $1,447 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 McKean actually go for?
HUD's number is one input. Search any address in McKean for a rent estimate built from nearby comps. 3 free searches, no card.
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