Kentucky · FIPS 21013 · HUD FY 2027
Bell County, Kentucky Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Bell 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
- $7871-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 | Bell County FY 2027 | FY 2026 | Change | Kentucky avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $633 | $597 | +$36 (+6.0%) | $854 | $1,379 | $25,320 |
| 1 bedroom | $787 | $790 | −$3 (−0.4%) | $946 | $1,478 | $31,480 |
| 2 bedrooms | $909 | $866 | +$43 (+5.0%) | $1,155 | $1,761 | $36,360 |
| 3 bedrooms | $1,133 | $1,133 | no change | $1,500 | $2,266 | $45,320 |
| 4 bedrooms | $1,352 | $1,294 | +$58 (+4.5%) | $1,708 | $2,607 | $54,080 |
How Bell County compares
- Bell 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: $633, $787, $909, $1,133, $1,352. 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 11 ZIP codes mostly in Bell County (by land area), the 2-bedroom figure ranges from $910 to $1,010.
Small Area FMRs by ZIP code in Bell County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 40813 | $630 | $790 | $910 | $1,130 | $1,350 | +$40 (+4.6%) | about the same as |
| 40845 | $700 | $870 | $1,010 | $1,260 | $1,500 | +$30 (+3.1%) | 11% above |
| 40856 | $630 | $790 | $910 | $1,130 | $1,350 | +$30 (+3.4%) | about the same as |
| 40902 | $630 | $790 | $910 | $1,130 | $1,350 | +$40 (+4.6%) | about the same as |
| 40913 | $650 | $830 | $910 | $1,230 | $1,290 | +$30 (+3.4%) | about the same as |
| 40939 | $640 | $810 | $910 | $1,150 | $1,430 | +$40 (+4.6%) | about the same as |
| 40940 | $680 | $790 | $950 | $1,180 | $1,380 | +$50 (+5.6%) | 5% above |
| 40958 | $630 | $790 | $910 | $1,130 | $1,350 | +$40 (+4.6%) | about the same as |
| 40965 | $690 | $860 | $1,000 | $1,240 | $1,480 | +$70 (+7.5%) | 10% above |
| 40977 | $630 | $790 | $910 | $1,130 | $1,350 | +$40 (+4.6%) | about the same as |
| 40988 | $650 | $780 | $910 | $1,150 | $1,320 | +$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.