Metro FMR area · KY · HUD FY 2027

McCracken County, KY Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the McCracken County, KY area is $1,131 a month, 2% below the Kentucky average and 36% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 9 ZIP codes range from $960 to $1,250.

$1,1312-bedroom FMR+$73 (+6.9%) vs FY 2026
$9241-bedroom FMRU.S.: $1,478
$45,240Income for a 2-bedroomat 30% of income
67,564Residents1 county

Can you afford the Fair Market Rent here?

Uses the common 30%-of-gross-income guideline. Results update as you type and stay in your browser.

Household income ($ per year, before tax)

Default: the income a 2-bedroom here needs at 30%.

Unit size

Rent you can afford at 30% of income$1,131/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
McCracken County, KY FMR	$1,131	$45,240	–
Kentucky average	$1,155	$46,214	–
U.S. average	$1,761	$70,432	–

McCracken County, KY Fair Market Rents, FY 2027 vs FY 2026
Unit	McCracken County, KY 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

Counties in this FMR area

Counties in the McCracken County, KY FMR area
County	Residents in area
McCracken County, KY	67,564

Small Area FMRs by ZIP code

Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,050.

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, McCracken County, KY
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
42002	$790	$920	$1,130	$1,350	$1,610	+$70 (+6.6%)	about the same as
42003	$660	$770	$960	$1,150	$1,600	+$50 (+5.5%)	15% below
42027	$740	$830	$1,050	$1,330	$1,600	+$60 (+6.1%)	7% below
42029	$720	$910	$1,010	$1,390	$1,600	+$70 (+7.4%)	11% below
42053	$830	$940	$1,190	$1,420	$1,630	+$80 (+7.2%)	5% above
42069	$690	$770	$960	$1,240	$1,600	−$100 (−9.4%)	15% below
42082	$690	$820	$970	$1,260	$1,600	+$60 (+6.6%)	14% 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).

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.