Kentucky · FIPS 21145 · HUD FY 2027
McCracken County, Kentucky Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in McCracken County is $1,131 a month (rent plus utilities), 2% below the Kentucky average of $1,155 and 36% below the U.S. average of $1,761. That is up $73 (6.9%) from FY 2026. At 30% of income, a household needs about $45,240 a year to afford it.
- $1,1312-bedroom FMR+$73 (+6.9%) vs FY 2026
- $9241-bedroom FMRKentucky: $946 · U.S.: $1,478
- $45,240Income for a 2-bedroom$22/hour full-time
- 31 of 1202BR rank in Kentucky1 = highest rent
| Unit | McCracken County FY 2027 | FY 2026 | Change | Kentucky avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $788 | $729 | +$59 (+8.1%) | $854 | $1,379 | $31,520 |
| 1 bedroom | $924 | $851 | +$73 (+8.6%) | $946 | $1,478 | $36,960 |
| 2 bedrooms | $1,131 | $1,058 | +$73 (+6.9%) | $1,155 | $1,761 | $45,240 |
| 3 bedrooms | $1,348 | $1,269 | +$79 (+6.2%) | $1,500 | $2,266 | $53,920 |
| 4 bedrooms | $1,616 | $1,775 | −$159 (−9.0%) | $1,708 | $2,607 | $64,640 |
How McCracken County compares
- HUD sets this rent for the McCracken County, KY metro FMR area, which covers 67,564 residents in 1 county.
- Across Kentucky, 2-bedroom FMRs run from $909 (Wolfe County) to $1,442 (Boone County).
- Studio to 4-bedroom: $788, $924, $1,131, $1,348, $1,616. 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 3 ZIP codes mostly in McCracken County (by land area), the 2-bedroom figure ranges from $960 to $1,250.
Small Area FMRs by ZIP code in McCracken County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 42001 | $850 | $1,000 | $1,220 | $1,450 | $1,740 | +$70 (+6.1%) | 8% above |
| 42003 | $660 | $770 | $960 | $1,150 | $1,600 | +$50 (+5.5%) | 15% below |
| 42086 | $870 | $1,020 | $1,250 | $1,490 | $1,790 | +$90 (+7.8%) | 11% above |
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.