Carlisle County, KY: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$9322-bedroom FMR, FY2027

$7981-bedroom FMR, FY2027

$63,60080% income limit, family of 4 (FY2026)

$79,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Carlisle County is $932 a month, up 1.9% from $915 in FY2026. Carlisle County belongs to the Carlisle County, KY HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Carlisle County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$649	$683	−5.0%	$585 – $713
1 bedroom	$798	$717	+11.3%	$719 – $877
2 bedrooms	$932	$915	+1.9%	$839 – $1,025
3 bedrooms	$1,272	$1,173	+8.4%	$1,145 – $1,399
4 bedrooms	$1,316	$1,399	−5.9%	$1,185 – $1,447

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Carlisle County that is typically $839 to $1,025 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$53,750median income of renter households

$792Median gross rent, all units

18%Rent-to-income ratio (median rent ÷ median renter income)

39%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $53,750 can afford about $1,344 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $932 is $412 (30.6%) less than that. To rent a two-bedroom at the FMR, a household needs $37,280 a year under the 30% rule, or $33,552 under the common landlord rule that income must be three times the rent.

Carlisle County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$792 ±$183
Median income of renter households	$53,750 ±$23,102
Renters paying 30% or more of income (cost-burdened)	39.2% ±10.2
Renters paying 50% or more (severely cost-burdened)	8.2% ±6.4
Renter households (where the share can be computed)	293

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$637	$792	+24.3%
Median renter household income	$25,208	$53,750	+113.2%
Renters paying 30%+ of income	48.7%	39.2%	−9.5 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $910 to $1,100 depending on the ZIP code.

All 5 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
42021	$770	$930	$1,100	$1,490	$1,540
42023	$630	$780	$910	$1,240	$1,280
42035	$670	$790	$960	$1,260	$1,330
42039	$650	$720	$910	$1,220	$1,270
42069	$690	$770	$960	$1,240	$1,600

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Carlisle County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $79,500 (FY2025: $77,300, +2.8%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$16,700 +3.7%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$49,300 +3.6%	$52,500 +3.7%
Very low income (50%)	$27,850 +3.7%	$31,800 +3.6%	$35,800 +3.6%	$39,750 +3.7%	$42,950 +3.6%	$46,150 +3.7%	$49,300 +3.6%	$52,500 +3.7%
Low income (80%)	$44,550 +3.7%	$50,900 +3.7%	$57,250 +3.6%	$63,600 +3.7%	$68,700 +3.6%	$73,800 +3.7%	$78,900 +3.7%	$84,000 +3.7%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.