Oklahoma · FIPS 40019 · HUD FY 2027
Carter County, Oklahoma Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Carter County is $1,040 a month (rent plus utilities), 8% below the Oklahoma average of $1,127 and 41% below the U.S. average of $1,761. That is down $14 (1.3%) from FY 2026. At 30% of income, a household needs about $41,600 a year to afford it.
- $1,0402-bedroom FMR−$14 (−1.3%) vs FY 2026
- $8361-bedroom FMROklahoma: $914 · U.S.: $1,478
- $41,600Income for a 2-bedroom$20/hour full-time
- 13 of 772BR rank in Oklahoma1 = highest rent
| Unit | Carter County FY 2027 | FY 2026 | Change | Oklahoma avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $762 | $776 | −$14 (−1.8%) | $857 | $1,379 | $30,480 |
| 1 bedroom | $836 | $803 | +$33 (+4.1%) | $914 | $1,478 | $33,440 |
| 2 bedrooms | $1,040 | $1,054 | −$14 (−1.3%) | $1,127 | $1,761 | $41,600 |
| 3 bedrooms | $1,318 | $1,324 | −$6 (−0.5%) | $1,499 | $2,266 | $52,720 |
| 4 bedrooms | $1,548 | $1,553 | −$5 (−0.3%) | $1,708 | $2,607 | $61,920 |
How Carter County compares
- Carter County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Oklahoma, 2-bedroom FMRs run from $916 (Washita County) to $1,264 (Canadian County).
- Studio to 4-bedroom: $762, $836, $1,040, $1,318, $1,548. 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 12 ZIP codes mostly in Carter County (by land area), the 2-bedroom figure ranges from $950 to $1,090.
Small Area FMRs by ZIP code in Carter County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 73401 | $800 | $880 | $1,090 | $1,380 | $1,620 | −$10 (−0.9%) | 5% above |
| 73435 | $700 | $730 | $950 | $1,200 | $1,400 | +$10 (+1.1%) | 9% below |
| 73436 | $700 | $740 | $950 | $1,200 | $1,400 | +$10 (+1.1%) | 9% below |
| 73437 | $720 | $790 | $980 | $1,240 | $1,450 | −$30 (−3.0%) | 6% below |
| 73438 | $700 | $740 | $950 | $1,200 | $1,400 | +$10 (+1.1%) | 9% below |
| 73443 | $790 | $870 | $1,080 | $1,370 | $1,610 | no change | 4% above |
| 73444 | $720 | $750 | $960 | $1,240 | $1,490 | −$30 (−3.0%) | 8% below |
| 73458 | $760 | $840 | $1,040 | $1,320 | $1,550 | −$50 (−4.6%) | same |
| 73463 | $700 | $800 | $960 | $1,200 | $1,400 | +$20 (+2.1%) | 8% below |
| 73481 | $700 | $730 | $950 | $1,200 | $1,400 | +$10 (+1.1%) | 9% below |
| 73487 | $700 | $740 | $950 | $1,200 | $1,400 | −$50 (−5.0%) | 9% below |
| 73488 | $700 | $740 | $950 | $1,200 | $1,410 | +$10 (+1.1%) | 9% 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).
- 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.