Garfield County, OK: 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).

$9972-bedroom FMR, FY2027

$8181-bedroom FMR, FY2027

$69,60080% income limit, family of 4 (FY2026)

$87,000Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Garfield County is $997 a month, down 2.9% from $1,027 in FY2026. Garfield County belongs to the Enid, OK MSA 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 Garfield County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$707	$785	−9.9%	$637 – $777
1 bedroom	$818	$799	+2.4%	$737 – $899
2 bedrooms	$997	$1,027	−2.9%	$898 – $1,096
3 bedrooms	$1,305	$1,336	−2.3%	$1,175 – $1,435
4 bedrooms	$1,310	$1,360	−3.7%	$1,179 – $1,441

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 Garfield County that is typically $898 to $1,096 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?

$41,605median income of renter households

$919Median gross rent, all units

27%Rent-to-income ratio (median rent ÷ median renter income)

42%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $41,605 can afford about $1,040 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $997 is $43 (4.1%) less than that. To rent a two-bedroom at the FMR, a household needs $39,880 a year under the 30% rule, or $35,892 under the common landlord rule that income must be three times the rent.

Garfield County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$919 ±$31
Median income of renter households	$41,605 ±$5,116
Renters paying 30% or more of income (cost-burdened)	42.2% ±5.5
Renters paying 50% or more (severely cost-burdened)	17.6% ±3.5
Renter households (where the share can be computed)	7,432

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$856	$919	+7.4%
Median renter household income	$41,996	$41,605	−0.9%
Renters paying 30%+ of income	39.6%	42.2%	+2.6 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 $920 to $1,130 depending on the ZIP code.

All 24 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
73056	$710	$780	$970	$1,250	$1,410
73073	$700	$730	$920	$1,190	$1,400
73701	$710	$750	$930	$1,210	$1,230
73702	$720	$820	$1,000	$1,310	$1,310
73703	$780	$890	$1,080	$1,410	$1,420
73705	$760	$880	$1,070	$1,390	$1,400
73718	$760	$820	$1,050	$1,330	$1,480
73720	$750	$860	$1,070	$1,360	$1,460
73727	$750	$830	$1,030	$1,370	$1,470
73730	$720	$830	$1,010	$1,320	$1,330
73733	$720	$820	$1,000	$1,310	$1,310
73735	$710	$800	$980	$1,280	$1,290
73736	$710	$810	$990	$1,300	$1,300
73738	$750	$880	$1,070	$1,400	$1,410
73739	$760	$760	$1,000	$1,380	$1,670
73742	$690	$770	$990	$1,210	$1,410
73743	$780	$830	$1,020	$1,330	$1,350
73753	$730	$810	$990	$1,300	$1,300
73754	$710	$780	$960	$1,260	$1,290
73757	$710	$750	$950	$1,210	$1,410
73761	$750	$760	$990	$1,360	$1,470
73773	$790	$930	$1,130	$1,480	$1,490
74630	$710	$720	$930	$1,210	$1,420
74640	$730	$800	$1,010	$1,340	$1,380

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

HUD income limits for Garfield County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $87,000 (FY2025: $89,200, −2.5%). 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%)	$18,300 −2.4%	$21,640 +1.1%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$30,450 −2.6%	$34,800 −2.5%	$39,150 −2.5%	$43,500 −2.5%	$47,000 −2.5%	$50,500 −2.4%	$53,950 −2.5%	$57,450 −2.5%
Low income (80%)	$48,750 −2.4%	$55,700 −2.5%	$62,650 −2.5%	$69,600 −2.5%	$75,200 −2.5%	$80,750 −2.5%	$86,350 −2.4%	$91,900 −2.4%

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.