Kentucky · FIPS 21095 · HUD FY 2027
Harlan County, Kentucky Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Harlan 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
- $7491-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 | Harlan County FY 2027 | FY 2026 | Change | Kentucky avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $691 | $694 | −$3 (−0.4%) | $854 | $1,379 | $27,640 |
| 1 bedroom | $749 | $699 | +$50 (+7.2%) | $946 | $1,478 | $29,960 |
| 2 bedrooms | $909 | $866 | +$43 (+5.0%) | $1,155 | $1,761 | $36,360 |
| 3 bedrooms | $1,190 | $1,142 | +$48 (+4.2%) | $1,500 | $2,266 | $47,600 |
| 4 bedrooms | $1,195 | $1,147 | +$48 (+4.2%) | $1,708 | $2,607 | $47,800 |
How Harlan County compares
- Harlan 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: $691, $749, $909, $1,190, $1,195. 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 25 ZIP codes mostly in Harlan County (by land area), the 2-bedroom figure ranges from $910 to $1,160.
Small Area FMRs by ZIP code in Harlan County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 40801 | $690 | $750 | $910 | $1,190 | $1,200 | +$40 (+4.6%) | about the same as |
| 40806 | $710 | $770 | $940 | $1,230 | $1,240 | +$20 (+2.2%) | 3% above |
| 40807 | $720 | $780 | $950 | $1,240 | $1,250 | +$80 (+9.2%) | 5% above |
| 40810 | $690 | $750 | $910 | $1,190 | $1,200 | +$40 (+4.6%) | about the same as |
| 40815 | $690 | $750 | $910 | $1,190 | $1,200 | +$40 (+4.6%) | about the same as |
| 40818 | $800 | $870 | $1,060 | $1,380 | $1,380 | +$60 (+6.0%) | 17% above |
| 40819 | $690 | $750 | $910 | $1,190 | $1,200 | +$40 (+4.6%) | about the same as |
| 40820 | $760 | $780 | $990 | $1,340 | $1,360 | +$40 (+4.2%) | 9% above |
| 40823 | $690 | $750 | $910 | $1,190 | $1,200 | +$40 (+4.6%) | about the same as |
| 40824 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40828 | $880 | $960 | $1,160 | $1,520 | $1,520 | +$70 (+6.4%) | 28% above |
| 40829 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40830 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40831 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40843 | $710 | $770 | $940 | $1,230 | $1,260 | +$40 (+4.4%) | 3% above |
| 40847 | $880 | $960 | $1,160 | $1,520 | $1,520 | +$70 (+6.4%) | 28% above |
| 40849 | $880 | $960 | $1,160 | $1,520 | $1,520 | +$70 (+6.4%) | 28% above |
| 40854 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40855 | $820 | $890 | $1,080 | $1,410 | $1,420 | +$90 (+9.1%) | 19% above |
| 40863 | $700 | $800 | $950 | $1,230 | $1,300 | +$40 (+4.4%) | 5% above |
| 40865 | $710 | $770 | $930 | $1,220 | $1,230 | +$20 (+2.2%) | 2% above |
| 40870 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40873 | $840 | $910 | $1,100 | $1,440 | $1,450 | +$80 (+7.8%) | 21% above |
| 40927 | $690 | $750 | $910 | $1,190 | $1,190 | +$40 (+4.6%) | about the same as |
| 40964 | $690 | $750 | $910 | $1,190 | $1,190 | +$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.