Metro FMR area · IN, KY · HUD FY 2027
Louisville, KY-IN Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the Louisville, KY-IN area is $1,276 a month, 10% above the Kentucky average and 28% below the U.S. average of $1,761. ZIP-level Small Area FMRs for its 130 ZIP codes range from $1,010 to $1,910.
- $1,2762-bedroom FMR+$4 (+0.3%) vs FY 2026
- $1,0581-bedroom FMRU.S.: $1,478
- $51,040Income for a 2-bedroomat 30% of income
- 1,217,486Residents8 counties
| Unit | Louisville, KY-IN FY 2027 | FY 2026 | Change | Kentucky avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $976 | $966 | +$10 (+1.0%) | $854 | $1,379 | $39,040 |
| 1 bedroom | $1,058 | $1,047 | +$11 (+1.1%) | $946 | $1,478 | $42,320 |
| 2 bedrooms | $1,276 | $1,272 | +$4 (+0.3%) | $1,155 | $1,761 | $51,040 |
| 3 bedrooms | $1,629 | $1,625 | +$4 (+0.2%) | $1,500 | $2,266 | $65,160 |
| 4 bedrooms | $1,874 | $1,891 | −$17 (−0.9%) | $1,708 | $2,607 | $74,960 |
Counties in this FMR area
| County | Residents in area |
|---|---|
| Clark County, IN | 124,354 |
| Floyd County, IN | 80,918 |
| Harrison County, IN | 39,859 |
| Bullitt County, KY | 84,027 |
| Henry County, KY | 15,856 |
| Jefferson County, KY | 783,022 |
| Oldham County, KY | 69,257 |
| Spencer County, KY | 20,193 |
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 $1,250.
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 40006 | $790 | $840 | $1,100 | $1,320 | $1,530 | +$30 (+2.8%) | 14% below |
| 40007 | $1,060 | $1,170 | $1,390 | $1,740 | $2,040 | +$60 (+4.5%) | 9% above |
| 40008 | $780 | $800 | $1,030 | $1,310 | $1,620 | −$50 (−4.6%) | 19% below |
| 40010 | $1,020 | $1,100 | $1,330 | $1,700 | $1,950 | −$20 (−1.5%) | 4% above |
| 40011 | $770 | $830 | $1,010 | $1,290 | $1,480 | −$60 (−5.6%) | 21% below |
| 40013 | $810 | $830 | $1,070 | $1,430 | $1,760 | −$110 (−9.3%) | 16% below |
| 40014 | $1,040 | $1,130 | $1,360 | $1,740 | $2,000 | −$30 (−2.2%) | 7% above |
| 40018 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40019 | $780 | $850 | $1,010 | $1,300 | $1,500 | −$60 (−5.6%) | 21% below |
| 40023 | $1,160 | $1,260 | $1,540 | $1,980 | $2,290 | −$170 (−9.9%) | 21% above |
| 40025 | $1,170 | $1,270 | $1,530 | $1,950 | $2,250 | +$40 (+2.7%) | 20% above |
| 40026 | $1,230 | $1,340 | $1,620 | $2,100 | $2,430 | −$180 (−10.0%) | 27% above |
| 40027 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40031 | $990 | $1,070 | $1,290 | $1,650 | $1,890 | −$30 (−2.3%) | 1% above |
| 40036 | $840 | $910 | $1,120 | $1,460 | $1,620 | +$40 (+3.7%) | 12% below |
| 40041 | $890 | $960 | $1,160 | $1,480 | $1,700 | −$10 (−0.9%) | 9% below |
| 40046 | $810 | $910 | $1,090 | $1,370 | $1,600 | +$10 (+0.9%) | 15% below |
| 40047 | $870 | $950 | $1,140 | $1,460 | $1,670 | +$20 (+1.8%) | 11% below |
| 40050 | $780 | $840 | $1,010 | $1,300 | $1,500 | −$60 (−5.6%) | 21% below |
| 40055 | $1,050 | $1,130 | $1,400 | $1,750 | $2,030 | +$90 (+6.9%) | 10% above |
| 40056 | $1,190 | $1,290 | $1,560 | $1,990 | $2,290 | +$120 (+8.3%) | 22% above |
| 40057 | $1,060 | $1,170 | $1,390 | $1,740 | $2,040 | +$60 (+4.5%) | 9% above |
| 40058 | $780 | $840 | $1,010 | $1,300 | $1,500 | −$60 (−5.6%) | 21% below |
| 40059 | $1,460 | $1,580 | $1,910 | $2,440 | $2,810 | no change | 50% above |
| 40065 | $880 | $1,010 | $1,160 | $1,380 | $1,710 | +$10 (+0.9%) | 9% below |
| 40068 | $990 | $1,080 | $1,300 | $1,650 | $1,910 | no change | 2% above |
| 40070 | $990 | $1,070 | $1,290 | $1,650 | $1,890 | +$190 (+17.3%) | 1% above |
| 40071 | $850 | $920 | $1,110 | $1,420 | $1,630 | −$10 (−0.9%) | 13% below |
| 40075 | $760 | $820 | $1,010 | $1,280 | $1,460 | −$60 (−5.6%) | 21% below |
| 40076 | $840 | $1,000 | $1,150 | $1,410 | $1,700 | +$50 (+4.5%) | 10% below |
| 40077 | $820 | $900 | $1,100 | $1,440 | $1,640 | −$120 (−9.8%) | 14% below |
| 40109 | $940 | $1,020 | $1,230 | $1,580 | $1,810 | −$20 (−1.6%) | 4% below |
| 40110 | $840 | $900 | $1,100 | $1,410 | $1,630 | −$40 (−3.5%) | 14% below |
| 40118 | $1,010 | $1,090 | $1,320 | $1,680 | $1,940 | no change | 3% above |
| 40129 | $910 | $990 | $1,190 | $1,520 | $1,750 | −$20 (−1.7%) | 7% below |
| 40150 | $780 | $840 | $1,010 | $1,310 | $1,510 | −$60 (−5.6%) | 21% below |
| 40165 | $870 | $950 | $1,140 | $1,460 | $1,670 | −$20 (−1.7%) | 11% below |
| 40166 | $910 | $990 | $1,190 | $1,520 | $1,750 | −$20 (−1.7%) | 7% below |
| 40177 | $790 | $820 | $1,010 | $1,380 | $1,640 | −$60 (−5.6%) | 21% below |
| 40201 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40202 | $1,070 | $1,160 | $1,400 | $1,790 | $2,060 | +$10 (+0.7%) | 10% above |
| 40203 | $790 | $850 | $1,030 | $1,310 | $1,510 | −$70 (−6.4%) | 19% below |
| 40204 | $1,090 | $1,190 | $1,430 | $1,830 | $2,100 | no change | 12% above |
| 40205 | $1,030 | $1,110 | $1,340 | $1,710 | $1,970 | no change | 5% above |
| 40206 | $1,100 | $1,190 | $1,440 | $1,840 | $2,110 | +$40 (+2.9%) | 13% above |
| 40207 | $1,190 | $1,290 | $1,550 | $1,980 | $2,280 | −$20 (−1.3%) | 21% above |
| 40208 | $830 | $900 | $1,090 | $1,390 | $1,600 | +$10 (+0.9%) | 15% below |
| 40209 | $860 | $940 | $1,130 | $1,440 | $1,660 | −$20 (−1.7%) | 11% below |
| 40210 | $860 | $940 | $1,130 | $1,440 | $1,660 | −$20 (−1.7%) | 11% below |
| 40211 | $850 | $920 | $1,110 | $1,420 | $1,630 | no change | 13% below |
| 40212 | $870 | $950 | $1,140 | $1,460 | $1,670 | +$60 (+5.6%) | 11% below |
| 40213 | $850 | $920 | $1,110 | $1,420 | $1,630 | −$30 (−2.6%) | 13% below |
| 40214 | $900 | $970 | $1,170 | $1,490 | $1,720 | −$10 (−0.8%) | 8% below |
| 40215 | $930 | $1,010 | $1,220 | $1,560 | $1,790 | no change | 4% below |
| 40216 | $820 | $890 | $1,070 | $1,370 | $1,570 | −$10 (−0.9%) | 16% below |
| 40217 | $1,030 | $1,120 | $1,350 | $1,720 | $1,980 | −$10 (−0.7%) | 6% above |
| 40218 | $1,010 | $1,090 | $1,320 | $1,680 | $1,940 | +$20 (+1.5%) | 3% above |
| 40219 | $940 | $1,020 | $1,230 | $1,570 | $1,810 | no change | 4% below |
| 40220 | $1,100 | $1,190 | $1,440 | $1,840 | $2,110 | −$20 (−1.4%) | 13% above |
| 40221 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40222 | $1,170 | $1,270 | $1,530 | $1,950 | $2,250 | +$40 (+2.7%) | 20% above |
| 40223 | $1,270 | $1,380 | $1,660 | $2,120 | $2,440 | +$20 (+1.2%) | 30% above |
| 40228 | $1,210 | $1,310 | $1,580 | $2,020 | $2,320 | −$20 (−1.2%) | 24% above |
| 40229 | $1,130 | $1,230 | $1,480 | $1,890 | $2,170 | −$10 (−0.7%) | 16% above |
| 40231 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40232 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40233 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40241 | $1,250 | $1,360 | $1,640 | $2,090 | $2,410 | −$30 (−1.8%) | 29% above |
| 40242 | $1,110 | $1,200 | $1,450 | $1,850 | $2,130 | −$20 (−1.4%) | 14% above |
| 40243 | $1,130 | $1,230 | $1,480 | $1,890 | $2,170 | −$10 (−0.7%) | 16% above |
| 40245 | $1,390 | $1,520 | $1,820 | $2,320 | $2,680 | +$20 (+1.1%) | 43% above |
| 40250 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40251 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40252 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40253 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40255 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40256 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40257 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40258 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40259 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40261 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40268 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40269 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40270 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40272 | $1,030 | $1,120 | $1,350 | $1,720 | $1,980 | −$30 (−2.2%) | 6% above |
| 40280 | $1,100 | $1,190 | $1,440 | $1,840 | $2,110 | +$40 (+2.9%) | 13% above |
| 40285 | $990 | $1,080 | $1,300 | $1,660 | $1,910 | +$10 (+0.8%) | 2% above |
| 40291 | $1,030 | $1,110 | $1,340 | $1,710 | $1,970 | −$10 (−0.7%) | 5% above |
| 40299 | $1,120 | $1,220 | $1,470 | $1,880 | $2,160 | no change | 15% above |
| 40601 | $820 | $940 | $1,180 | $1,510 | $1,870 | +$90 (+8.3%) | 8% below |
| 47104 | $880 | $950 | $1,150 | $1,470 | $1,690 | +$20 (+1.8%) | 10% below |
| 47106 | $800 | $860 | $1,050 | $1,330 | $1,520 | −$20 (−1.9%) | 18% below |
| 47107 | $790 | $850 | $1,030 | $1,310 | $1,510 | −$50 (−4.6%) | 19% below |
| 47110 | $810 | $880 | $1,060 | $1,350 | $1,560 | −$50 (−4.5%) | 17% below |
| 47111 | $880 | $950 | $1,150 | $1,470 | $1,690 | +$20 (+1.8%) | 10% below |
| 47112 | $810 | $880 | $1,060 | $1,350 | $1,560 | −$50 (−4.5%) | 17% below |
| 47114 | $890 | $970 | $1,170 | $1,510 | $1,750 | −$130 (−10.0%) | 8% below |
| 47115 | $780 | $840 | $1,010 | $1,300 | $1,490 | −$60 (−5.6%) | 21% below |
| 47117 | $780 | $840 | $1,010 | $1,300 | $1,500 | −$60 (−5.6%) | 21% below |
| 47119 | $1,120 | $1,220 | $1,470 | $1,880 | $2,160 | +$40 (+2.8%) | 15% above |
| 47120 | $820 | $850 | $1,080 | $1,350 | $1,510 | +$10 (+0.9%) | 15% below |
| 47122 | $850 | $920 | $1,110 | $1,420 | $1,630 | −$30 (−2.6%) | 13% below |
| 47124 | $1,030 | $1,110 | $1,340 | $1,710 | $1,970 | −$40 (−2.9%) | 5% above |
| 47125 | $940 | $980 | $1,250 | $1,590 | $1,800 | +$60 (+5.0%) | 2% below |
| 47126 | $780 | $840 | $1,010 | $1,300 | $1,500 | −$60 (−5.6%) | 21% below |
| 47129 | $930 | $1,000 | $1,210 | $1,540 | $1,780 | +$30 (+2.5%) | 5% below |
| 47130 | $1,030 | $1,110 | $1,340 | $1,710 | $1,970 | no change | 5% above |
| 47131 | $960 | $1,040 | $1,250 | $1,600 | $1,840 | +$10 (+0.8%) | 2% below |
| 47135 | $790 | $850 | $1,020 | $1,310 | $1,510 | −$50 (−4.7%) | 20% below |
| 47136 | $860 | $930 | $1,120 | $1,430 | $1,640 | −$60 (−5.1%) | 12% below |
| 47137 | $760 | $840 | $1,020 | $1,410 | $1,490 | −$50 (−4.7%) | 20% below |
| 47138 | $1,110 | $1,200 | $1,510 | $1,910 | $2,180 | +$80 (+5.6%) | 18% above |
| 47141 | $890 | $950 | $1,160 | $1,480 | $1,700 | −$10 (−0.9%) | 9% below |
| 47142 | $790 | $850 | $1,030 | $1,310 | $1,510 | −$50 (−4.6%) | 19% below |
| 47143 | $1,460 | $1,580 | $1,910 | $2,440 | $2,810 | no change | 50% above |
| 47146 | $910 | $990 | $1,190 | $1,520 | $1,750 | no change | 7% below |
| 47147 | $890 | $950 | $1,170 | $1,490 | $1,670 | +$40 (+3.5%) | 8% below |
| 47150 | $960 | $1,040 | $1,250 | $1,600 | $1,840 | no change | 2% below |
| 47151 | $910 | $990 | $1,190 | $1,520 | $1,750 | no change | 7% below |
| 47160 | $780 | $850 | $1,020 | $1,300 | $1,500 | −$50 (−4.7%) | 20% below |
| 47161 | $1,040 | $1,140 | $1,380 | $1,780 | $2,060 | −$150 (−9.8%) | 8% above |
| 47162 | $960 | $1,040 | $1,250 | $1,600 | $1,840 | +$10 (+0.8%) | 2% below |
| 47163 | $850 | $910 | $1,100 | $1,410 | $1,620 | +$20 (+1.9%) | 14% below |
| 47164 | $780 | $830 | $1,010 | $1,300 | $1,480 | −$60 (−5.6%) | 21% below |
| 47165 | $810 | $820 | $1,070 | $1,290 | $1,440 | no change | 16% below |
| 47166 | $1,110 | $1,200 | $1,450 | $1,850 | $2,130 | −$10 (−0.7%) | 14% above |
| 47172 | $1,000 | $1,090 | $1,310 | $1,670 | $1,920 | −$30 (−2.2%) | 3% above |
| 47177 | $890 | $940 | $1,170 | $1,490 | $1,660 | +$100 (+9.3%) | 8% below |
| 47190 | $960 | $1,040 | $1,250 | $1,600 | $1,840 | +$10 (+0.8%) | 2% below |
| 47243 | $790 | $900 | $1,090 | $1,380 | $1,710 | +$20 (+1.9%) | 15% below |
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.