Metro FMR area · OK · HUD FY 2027

Cotton County, OK Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the Cotton County, OK area is $916 a month, 19% below the Oklahoma average and 48% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 10 ZIP codes range from $920 to $1,160.

$9162-bedroom FMR−$46 (−4.8%) vs FY 2026
$7001-bedroom FMRU.S.: $1,478
$36,640Income for a 2-bedroomat 30% of income
5,485Residents1 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$916/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
Cotton County, OK FMR	$916	$36,640	–
Oklahoma average	$1,127	$45,091	–
U.S. average	$1,761	$70,432	–

Cotton County, OK Fair Market Rents, FY 2027 vs FY 2026
Unit	Cotton County, OK FY 2027	FY 2026	Change	Oklahoma avg	U.S. avg	Income needed
Studio	$696	$728	−$32 (−4.4%)	$857	$1,379	$27,840
1 bedroom	$700	$733	−$33 (−4.5%)	$914	$1,478	$28,000
2 bedrooms	$916	$962	−$46 (−4.8%)	$1,127	$1,761	$36,640
3 bedrooms	$1,091	$1,153	−$62 (−5.4%)	$1,499	$2,266	$43,640
4 bedrooms	$1,510	$1,614	−$104 (−6.4%)	$1,708	$2,607	$60,400

Counties in this FMR area

Counties in the Cotton County, OK FMR area
County	Residents in area
Cotton County, OK	5,485

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 $920.

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, Cotton County, OK
ZIP	Studio	1BR	2BR	3BR	4BR	2BR vs FY 2026	2BR vs area FMR
73528	$710	$770	$920	$1,260	$1,520	−$20 (−2.1%)	about the same as
73529	$740	$750	$920	$1,270	$1,470	−$20 (−2.1%)	about the same as
73531	$700	$700	$920	$1,090	$1,510	−$20 (−2.1%)	about the same as
73533	$760	$760	$930	$1,290	$1,490	−$10 (−1.1%)	2% above
73543	$900	$900	$1,160	$1,570	$1,900	−$60 (−4.9%)	27% above
73546	$760	$910	$1,000	$1,370	$1,460	−$20 (−2.0%)	9% above
73548	$710	$720	$930	$1,180	$1,530	−$20 (−2.1%)	2% above
73562	$700	$700	$920	$1,090	$1,510	−$20 (−2.1%)	about the same as
73568	$700	$700	$920	$1,090	$1,510	−$20 (−2.1%)	about the same as
73572	$710	$710	$920	$1,260	$1,520	−$40 (−4.2%)	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).

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.