Lincoln 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).

$9162-bedroom FMR, FY2027

$8221-bedroom FMR, FY2027

$62,00080% income limit, family of 4 (FY2026)

$77,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Lincoln County is $916 a month, down 2.2% from $937 in FY2026. Lincoln County belongs to the Lincoln County, OK 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 Lincoln County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$808	$809	−0.1%	$728 – $888
1 bedroom	$822	$814	+1.0%	$740 – $904
2 bedrooms	$916	$937	−2.2%	$825 – $1,007
3 bedrooms	$1,217	$1,257	−3.2%	$1,096 – $1,338
4 bedrooms	$1,417	$1,426	−0.6%	$1,276 – $1,558

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 Lincoln County that is typically $825 to $1,007 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?

$32,405median income of renter households

$794Median gross rent, all units

29%Rent-to-income ratio (median rent ÷ median renter income)

44%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $32,405 can afford about $810 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $916 is $106 (13.1%) more than that. To rent a two-bedroom at the FMR, a household needs $36,640 a year under the 30% rule, or $32,976 under the common landlord rule that income must be three times the rent.

Lincoln County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$794 ±$38
Median income of renter households	$32,405 ±$5,529
Renters paying 30% or more of income (cost-burdened)	43.8% ±6.0
Renters paying 50% or more (severely cost-burdened)	18.2% ±3.4
Renter households (where the share can be computed)	1,984

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$668	$794	+18.9%
Median renter household income	$28,912	$32,405	+12.1%
Renters paying 30%+ of income	37.8%	43.8%	+6.0 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 $1,120 depending on the ZIP code.

All 17 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
73045	$870	$930	$1,120	$1,510	$1,710
73054	$820	$870	$1,020	$1,370	$1,560
74023	$730	$750	$920	$1,270	$1,340
74026	$960	$980	$1,090	$1,450	$1,690
74028	$720	$770	$940	$1,230	$1,440
74059	$780	$810	$980	$1,350	$1,430
74079	$800	$820	$920	$1,220	$1,410
74824	$880	$900	$1,010	$1,340	$1,550
74832	$860	$880	$980	$1,300	$1,520
74834	$860	$880	$980	$1,300	$1,520
74851	$720	$730	$920	$1,230	$1,430
74855	$970	$990	$1,120	$1,490	$1,730
74860	$730	$740	$960	$1,190	$1,330
74864	$780	$790	$920	$1,220	$1,420
74869	$810	$820	$920	$1,220	$1,420
74875	$810	$820	$920	$1,220	$1,420
74881	$800	$820	$920	$1,220	$1,420

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

HUD income limits for Lincoln County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $77,500 (FY2025: $77,500, ±0.0%). 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%)	$16,300 ±0.0%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$48,050 ±0.0%	$51,150 ±0.0%
Very low income (50%)	$27,150 ±0.0%	$31,000 ±0.0%	$34,900 ±0.0%	$38,750 ±0.0%	$41,850 ±0.0%	$44,950 ±0.0%	$48,050 ±0.0%	$51,150 ±0.0%
Low income (80%)	$43,400 ±0.0%	$49,600 ±0.0%	$55,800 ±0.0%	$62,000 ±0.0%	$67,000 ±0.0%	$71,950 ±0.0%	$76,900 ±0.0%	$81,850 ±0.0%

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.