Kentucky · FIPS 21027 · HUD FY 2027
Breckinridge County, Kentucky Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Breckinridge County is $909 a month (rent plus utilities), 21% below the Kentucky average of $1,155 and 48% below the U.S. average of $1,761. That is up $43 (5.0%) from FY 2026. At 30% of income, a household needs about $36,360 a year to afford it.
- $9092-bedroom FMR+$43 (+5.0%) vs FY 2026
- $7201-bedroom FMRKentucky: $946 · U.S.: $1,478
- $36,360Income for a 2-bedroom$17/hour full-time
- 66 of 1202BR rank in Kentucky1 = highest rent
| Unit | Breckinridge County FY 2027 | FY 2026 | Change | Kentucky avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $695 | $686 | +$9 (+1.3%) | $854 | $1,379 | $27,800 |
| 1 bedroom | $720 | $690 | +$30 (+4.3%) | $946 | $1,478 | $28,800 |
| 2 bedrooms | $909 | $866 | +$43 (+5.0%) | $1,155 | $1,761 | $36,360 |
| 3 bedrooms | $1,259 | $1,204 | +$55 (+4.6%) | $1,500 | $2,266 | $50,360 |
| 4 bedrooms | $1,329 | $1,209 | +$120 (+9.9%) | $1,708 | $2,607 | $53,160 |
How Breckinridge County compares
- Breckinridge County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Kentucky, 2-bedroom FMRs run from $909 (Wolfe County) to $1,442 (Boone County).
- Studio to 4-bedroom: $695, $720, $909, $1,259, $1,329. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 13 ZIP codes mostly in Breckinridge County (by land area), the 2-bedroom figure ranges from $910 to $1,140.
Small Area FMRs by ZIP code in Breckinridge County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 40111 | $690 | $720 | $910 | $1,260 | $1,330 | +$40 (+4.6%) | about the same as |
| 40115 | $880 | $890 | $1,140 | $1,570 | $1,780 | +$40 (+3.6%) | 25% above |
| 40119 | $670 | $740 | $910 | $1,240 | $1,320 | +$40 (+4.6%) | about the same as |
| 40140 | $760 | $770 | $960 | $1,330 | $1,600 | −$90 (−8.6%) | 6% above |
| 40143 | $690 | $720 | $910 | $1,260 | $1,330 | +$40 (+4.6%) | about the same as |
| 40144 | $700 | $720 | $910 | $1,260 | $1,330 | −$30 (−3.2%) | about the same as |
| 40145 | $700 | $720 | $910 | $1,260 | $1,330 | no change | about the same as |
| 40146 | $740 | $740 | $970 | $1,320 | $1,520 | −$30 (−3.0%) | 7% above |
| 40152 | $660 | $770 | $910 | $1,250 | $1,290 | +$40 (+4.6%) | about the same as |
| 40170 | $700 | $720 | $910 | $1,260 | $1,330 | +$40 (+4.6%) | about the same as |
| 40171 | $740 | $740 | $970 | $1,320 | $1,520 | −$30 (−3.0%) | 7% above |
| 40176 | $740 | $740 | $970 | $1,320 | $1,520 | −$30 (−3.0%) | 7% above |
| 40178 | $700 | $720 | $910 | $1,260 | $1,330 | +$40 (+4.6%) | about the same as |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.