Section 8 — KY ZIP index · page 1 of 2

Kentucky ZIP codes
with a Section 8 rent.

Every Kentucky ZIP code HUD publishes a Fair Market Rent for — 896 of them, FY2026. This page lists ZIPs 1–500, grouped by HUD area, with the 2-bedroom and 3-bedroom ceiling beside each one. Open any ZIP for its full schedule from studio to 4-bedroom.

data as of 2026-08-19 · HUD FY2026

Read the number right

Why the ZIP beats the metro average.

One number per metro hides the spread that decides whether a deal pencils.

A ZIP-level Fair Market Rent is HUD's Small Area FMR: instead of one voucher ceiling for an entire metro, HUD publishes a separate ceiling for each ZIP code, set from what rents actually cost in that ZIP. The metro figure is an average over all of them, so it sits above the weaker ZIPs and below the stronger ones — which is why two houses fifteen minutes apart in the same city can carry Section 8 ceilings hundreds of dollars apart. Underwrite the ZIP's number, not the metro's. The published FMR is still a reference, not a payment: housing authorities set their payment standard at roughly 90–110% of it, and every unit has to clear a rent reasonableness test against comparable local rentals before a lease is approved.

Every ZIP

FMR by ZIP code.

2-bedroom and 3-bedroom Fair Market Rent for each ZIP, listed under the HUD area it belongs to. What Fair Market Rent means.

ZIPs 1–500 of 896 · 61 HUD areas on this page · data as of 2026-08-19 · HUD FY2026

ZIP2 BR3 BR
Franklin County, KY
40003$1,260$1,560
40076$1,100$1,390
40347$1,150$1,570
40602$1,080$1,410
40604$1,080$1,410
40621$1,080$1,410
Nelson County, KY HUD Metro FMR Area
40004$1,030$1,380
40013$1,180$1,580
40020$1,160$1,540
40048$1,020$1,370
40051$970$1,360
40107$980$1,310
Trimble County, KY
40006$1,070$1,390
40011$1,070$1,390
40045$940$1,230
40055$1,310$1,690
40070$1,100$1,420
Louisville, KY-IN HUD Metro FMR Area
40007$1,330$1,690
40010$1,350$1,730
40018$1,290$1,650
40025$1,490$1,900
40026$1,800$2,330
40027$1,290$1,650
40031$1,320$1,690
40036$1,080$1,390
40041$1,170$1,490
40047$1,120$1,430
40050$1,070$1,390
40058$1,070$1,390
40059$1,910$2,440
40077$1,220$1,590
40109$1,250$1,590
40110$1,140$1,470
40118$1,320$1,690
40129$1,210$1,550
40150$1,070$1,390
40165$1,160$1,480
40166$1,210$1,550
40177$1,070$1,390
40201$1,290$1,650
40202$1,390$1,780
40203$1,100$1,410
40204$1,430$1,830
40205$1,340$1,710
40206$1,400$1,790
40207$1,570$2,010
40208$1,080$1,390
40209$1,150$1,470
40210$1,150$1,470
40211$1,110$1,420
40212$1,080$1,390
40213$1,140$1,460
40214$1,180$1,510
40215$1,220$1,560
40216$1,080$1,390
40217$1,360$1,740
40218$1,300$1,660
40219$1,230$1,570
40220$1,460$1,860
40221$1,290$1,650
40222$1,490$1,900
40223$1,640$2,090
40228$1,600$2,040
40229$1,490$1,900
40231$1,290$1,650
40232$1,290$1,650
40233$1,290$1,650
40241$1,670$2,130
40242$1,470$1,880
40243$1,490$1,900
40250$1,290$1,650
40251$1,290$1,650
40252$1,290$1,650
40253$1,290$1,650
40255$1,290$1,650
40256$1,290$1,650
40257$1,290$1,650
40258$1,290$1,650
40259$1,290$1,650
40261$1,290$1,650
40268$1,290$1,650
40269$1,290$1,650
40270$1,290$1,650
40272$1,380$1,760
40280$1,400$1,790
40285$1,290$1,650
40291$1,350$1,720
40299$1,470$1,880
Washington County, KY
40008$1,080$1,440
40033$890$1,120
40037$870$1,140
40040$1,370$1,810
40061$900$1,190
40069$900$1,190
40078$1,170$1,540
40328$870$1,100
40330$870$1,200
40342$1,040$1,320
40468$1,050$1,380
Taylor County, KY
40009$870$1,110
Anderson County, KY
40012$900$1,240
40046$1,080$1,400
Shelby County, KY HUD Metro FMR Area
40014$1,390$1,790
40019$1,070$1,390
40022$1,140$1,440
40023$1,710$2,190
40056$1,440$1,840
40057$1,330$1,690
40065$1,150$1,430
40066$1,140$1,410
40067$1,380$1,750
40068$1,300$1,650
40071$1,120$1,430
40245$1,800$2,300
Marion County, KY
40049$870$1,100
40052$970$1,360
40060$970$1,360
40062$870$1,100
40063$890$1,120
Carroll County, KY
40075$1,070$1,390
41008$970$1,160
41045$1,130$1,410
Meade County, KY HUD Metro FMR Area
40104$1,000$1,360
40108$1,000$1,360
40117$1,170$1,590
40121$1,180$1,640
40155$1,000$1,360
Breckinridge County, KY
40111$870$1,200
40115$1,100$1,520
40140$1,050$1,460
40142$1,080$1,470
40143$870$1,200
40144$940$1,300
40145$910$1,270
40146$1,000$1,360
40152$870$1,200
40153$870$1,210
40157$1,060$1,440
40161$1,080$1,470
40170$870$1,210
40171$1,000$1,360
40175$1,380$1,900
40176$1,000$1,360
40178$870$1,210
Ohio County, KY
40119$870$1,170
Elizabethtown, KY HUD Metro FMR Area
40122$1,060$1,470
40159$1,060$1,470
40160$980$1,360
40162$1,170$1,630
Mercer County, KY
40310$950$1,320
40372$900$1,240
40422$940$1,230
Nicholas County, KY
40311$1,050$1,430
40348$1,050$1,430
40350$880$1,190
40361$1,050$1,430
40374$1,050$1,430
Powell County, KY
40312$1,050$1,430
40337$880$1,160
40376$870$1,190
40380$870$1,200
40472$980$1,270
Rowan County, KY
40313$1,020$1,290
40317$910$1,150
40319$910$1,150
40351$890$1,130
40371$950$1,230
41049$920$1,210
41164$870$1,190
41472$870$1,200
Menifee County, KY
40316$870$1,110
40322$870$1,110
Lexington-Fayette, KY MSA
40324$1,310$1,800
40339$1,180$1,610
40340$1,160$1,590
40356$1,180$1,620
40357$1,050$1,430
40383$1,170$1,600
40390$1,050$1,440
40392$1,070$1,470
40502$1,260$1,730
40503$1,460$2,000
40504$1,210$1,660
40505$1,110$1,520
40506$1,310$1,800
40507$1,150$1,580
40508$1,250$1,710
40509$1,610$2,210
40510$1,430$1,960
40511$1,390$1,900
40512$1,310$1,800
40513$1,650$2,260
40514$1,770$2,430
40515$1,540$2,110
40516$1,300$1,780
40517$1,390$1,900
40522$1,310$1,800
40523$1,310$1,800
40524$1,310$1,800
40526$1,250$1,710
40533$1,310$1,800
40536$1,310$1,800
40544$1,310$1,800
40555$1,310$1,800
40574$1,310$1,800
40575$1,310$1,800
40576$1,310$1,800
40577$1,310$1,800
40578$1,310$1,800
40579$1,310$1,800
40580$1,310$1,800
40581$1,310$1,800
40582$1,310$1,800
40583$1,310$1,800
40588$1,310$1,800
40591$1,310$1,800
Montgomery County, KY
40334$900$1,190
40346$900$1,160
40353$1,050$1,430
40360$870$1,120
40391$1,070$1,470
Lee County, KY
40336$870$1,120
41347$940$1,130
41368$940$1,130
41397$910$1,110
Owen County, KY
40355$970$1,280
40359$870$1,160
40363$950$1,240
40370$1,380$1,900
40379$1,190$1,620
40601$1,090$1,420
41010$1,050$1,430
41035$1,160$1,390
41046$1,360$1,780
41052$1,190$1,500
41083$1,140$1,440
41086$1,070$1,410
41098$1,050$1,340
Bath County, KY
40358$920$1,180
Madison County, KY
40385$920$1,240
40404$880$1,210
40405$900$1,250
40461$870$1,200
40475$950$1,320
40476$900$1,250
Morgan County, KY
40387$870$1,110
41171$910$1,140
41352$920$1,270
41408$870$1,190
41413$870$1,210
41421$880$1,180
41451$870$1,210
41465$870$1,090
Laurel County, KY
40402$880$1,170
40724$880$1,070
40729$880$1,070
40734$910$1,090
40737$870$1,050
40740$870$1,050
40741$900$1,100
40744$880$1,100
40750$880$1,070
40755$880$1,070
Rockcastle County, KY
40403$880$1,210
40409$960$1,250
40419$870$1,070
40445$870$1,130
40447$870$1,200
40456$870$1,200
40460$870$1,130
40473$870$1,130
40492$870$1,130
Garrard County, KY
40410$900$1,160
Jackson County, KY
40434$870$1,200
40481$870$1,200
Lincoln County, KY
40437$970$1,170
40440$870$1,140
40442$900$1,090
40444$900$1,160
40448$870$1,040
40484$870$1,040
Boyle County, KY
40452$910$1,200
Casey County, KY
40464$910$1,140
Owsley County, KY
40486$880$1,190
40983$880$1,180
41311$930$1,120
41314$880$1,150
41351$870$1,120
41364$870$1,120
41386$890$1,160
Pulaski County, KY
40489$890$1,070
Whitley County, KY
40701$900$1,080
40730$870$1,040
40759$870$1,040
40763$990$1,180
40769$870$1,050
40771$870$1,040
40906$920$1,100
40940$900$1,140
Harlan County, KY
40801$870$1,150
40806$920$1,210
40807$870$1,140
40815$870$1,150
40818$1,000$1,310
40819$870$1,150
40820$950$1,270
40824$870$1,140
40828$1,090$1,440
40829$870$1,140
40830$870$1,140
40831$870$1,140
40843$900$1,180
40847$1,090$1,440
40849$1,090$1,440
40854$870$1,140
40855$990$1,310
40863$910$1,200
40865$910$1,190
40870$870$1,140
40873$1,020$1,350
40927$870$1,140
40964$870$1,140
40988$870$1,140
Leslie County, KY
40803$870$1,210
40808$870$1,150
40810$870$1,160
40816$870$1,210
40827$870$1,210
40840$870$1,210
40844$870$1,210
40858$870$1,210
40868$870$1,210
40874$870$1,210
40914$870$1,180
40962$890$1,210
40979$870$1,210
Bell County, KY
40813$870$1,130
40845$980$1,280
40856$880$1,160
40902$870$1,130
40930$870$1,140
40955$870$1,140
40958$870$1,130
40977$870$1,130
Letcher County, KY
40823$870$1,140
40826$910$1,210
40862$870$1,170
Knox County, KY
40903$910$1,100
40915$870$1,040
40921$920$1,100
40923$870$1,040
40935$870$1,040
40939$870$1,100
40943$870$1,040
40946$870$1,040
40949$870$1,040
40953$870$1,040
40982$870$1,040
40995$890$1,120
40997$870$1,070
Clay County, KY
40913$880$1,160
40932$870$1,180
40941$890$1,210
40944$870$1,180
40951$870$1,180
Claiborne County, TN
40965$930$1,210
Perry County, KY
40972$870$1,180
40981$960$1,150
41348$870$1,200
41367$930$1,160
Cincinnati, OH-KY-IN HUD Metro FMR Area
41001$1,350$1,780
41005$1,690$2,230
41006$1,060$1,400
41007$1,440$1,900
41011$1,390$1,830
41012$1,290$1,700
41014$1,200$1,580
41015$1,220$1,610
41016$1,130$1,490
41017$1,240$1,640
41018$1,340$1,770
41022$1,540$2,030
41025$1,540$2,030
41033$1,120$1,450
41040$1,140$1,500
41042$1,560$2,060
41043$1,100$1,450
41048$1,730$2,280
41051$1,550$2,050
41053$1,290$1,700
41059$980$1,290
41061$1,000$1,320
41063$1,200$1,560
41071$1,370$1,810
41072$1,330$1,750
41073$1,350$1,780
41074$1,290$1,700
41075$1,370$1,810
41076$1,400$1,850
41080$1,700$2,240
41085$980$1,290
41091$2,030$2,680
41094$1,460$1,930
41095$1,020$1,350
41099$1,330$1,750
Mason County, KY
41002$980$1,290
41034$980$1,290
41041$870$1,140
41056$910$1,110
41062$910$1,110
41096$910$1,110
41179$970$1,280
Harrison County, KY
41003$980$1,320
Robertson County, KY
41004$1,020$1,340
41031$1,050$1,430
41039$940$1,240
41044$980$1,290
41055$920$1,160
41064$980$1,290
Grant County, KY HUD Metro FMR Area
41030$1,200$1,470
41092$1,270$1,680
41097$1,090$1,310
Fleming County, KY
41037$870$1,150
41081$870$1,150
Lewis County, KY
41093$990$1,310
41135$960$1,270
41141$1,100$1,430
41166$1,030$1,330
41174$970$1,250
41189$940$1,230
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area
41101$1,000$1,280
41102$980$1,260
41105$970$1,250
41121$970$1,260
41139$1,020$1,310
41143$970$1,350
41144$970$1,250
41168$990$1,310
41169$970$1,250
41175$970$1,250
41183$970$1,250
Lawrence County, KY HUD Metro FMR Area
41124$870$1,040
41129$970$1,240
41132$970$1,280
41160$930$1,120
41181$970$1,350
41201$910$1,090
41264$930$1,120
Carter County, KY HUD Metro FMR Area
41142$870$1,190
41146$970$1,350
41173$870$1,210
Elliott County, KY
41149$900$1,150
41180$920$1,160
Johnson County, KY
41159$880$1,120
41204$870$1,160
41216$1,030$1,310
41219$870$1,160
41222$940$1,220
41226$870$1,200
41232$920$1,140
41234$870$1,160
41238$940$1,220
41240$870$1,150
41254$870$1,160
41255$910$1,210
41256$950$1,270
41257$920$1,230
41260$870$1,160
41263$870$1,150
41265$870$1,150
41268$870$1,150
41271$870$1,160
41274$870$1,150
Martin County, KY
41203$870$1,090
41214$920$1,150
41224$920$1,150
41230$930$1,120
41231$870$1,090
41250$950$1,160
41262$910$1,140
41267$870$1,090
Wolfe County, KY
41301$870$1,100
41332$870$1,170
41360$870$1,130
41365$880$1,100
41425$1,170$1,620
Breathitt County, KY
41310$870$1,210
41317$890$1,180
41366$880$1,160
41385$870$1,140
41390$880$1,210
Magoffin County, KY
41339$880$1,210
41426$870$1,040
41464$870$1,040
Pike County, KY
41501$1,020$1,220
41502$980$1,180
41503$980$1,180
41512$910$1,090
41513$900$1,080
41514$980$1,170

SAFMR = ZIP-level variation. HUD sets Small Area Fair Market Rents by ZIP across most large metros, so two homes in one city can carry very different voucher ceilings.

Zoom out

Wider context.

The state picture, every state, and a tool for checking one ZIP fast.

The ceiling is only the first number. How the program actually runs — inspection, payment standard, rent reasonableness, and the timeline before the first check clears — is walked through in the Section 8 investing guide.

Live · all 50 states

FMR on every Kentucky listing.

Verleon AI overlays HUD Fair Market Rents on every active listing in Kentucky — and nationwide — so you see the Section 8 ceiling and the DSCR before you make an offer. Back to Kentucky Section 8 rents or look up a single ZIP.

Data source: HUD FY2026 Fair Market Rents (Small Area FMRs where published), snapshot 2026-08-19. Payment standards vary by public housing authority (typically 90–110% of FMR). Figures are for research and do not guarantee approved rent on any specific unit.

Not investment advice. Verleon AI provides analytical tooling for real-estate professionals. Underwriting outputs (DSCR, cap rate, Section 8 FMR estimates, scores) are modeled from public and licensed data and are not a substitute for independent due diligence, legal counsel, lender pre-approval, or licensed appraisal. Past performance is not indicative of future results.