Oklahoma · FIPS 40123 · HUD FY 2027
Pontotoc County, Oklahoma Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Pontotoc County is $982 a month (rent plus utilities), 13% below the Oklahoma average of $1,127 and 44% below the U.S. average of $1,761. That is down $12 (1.2%) from FY 2026. At 30% of income, a household needs about $39,280 a year to afford it.
- $9822-bedroom FMR−$12 (−1.2%) vs FY 2026
- $7511-bedroom FMROklahoma: $914 · U.S.: $1,478
- $39,280Income for a 2-bedroom$19/hour full-time
- 22 of 772BR rank in Oklahoma1 = highest rent
| Unit | Pontotoc County FY 2027 | FY 2026 | Change | Oklahoma avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $684 | $699 | −$15 (−2.1%) | $857 | $1,379 | $27,360 |
| 1 bedroom | $751 | $758 | −$7 (−0.9%) | $914 | $1,478 | $30,040 |
| 2 bedrooms | $982 | $994 | −$12 (−1.2%) | $1,127 | $1,761 | $39,280 |
| 3 bedrooms | $1,218 | $1,230 | −$12 (−1.0%) | $1,499 | $2,266 | $48,720 |
| 4 bedrooms | $1,291 | $1,334 | −$43 (−3.2%) | $1,708 | $2,607 | $51,640 |
How Pontotoc County compares
- Pontotoc 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: $684, $751, $982, $1,218, $1,291. 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 7 ZIP codes mostly in Pontotoc County (by land area), the 2-bedroom figure ranges from $920 to $1,110.
Small Area FMRs by ZIP code in Pontotoc County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 74820 | $710 | $780 | $1,020 | $1,270 | $1,420 | −$20 (−1.9%) | 4% above |
| 74825 | $800 | $850 | $1,110 | $1,360 | $1,500 | +$40 (+3.7%) | 13% above |
| 74842 | $640 | $700 | $920 | $1,140 | $1,220 | −$20 (−2.1%) | 6% below |
| 74843 | $670 | $730 | $950 | $1,180 | $1,270 | −$20 (−2.1%) | 3% below |
| 74844 | $660 | $730 | $950 | $1,180 | $1,250 | no change | 3% below |
| 74865 | $660 | $700 | $920 | $1,140 | $1,390 | −$20 (−2.1%) | 6% below |
| 74871 | $640 | $730 | $920 | $1,160 | $1,420 | −$20 (−2.1%) | 6% 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.