McClain 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).

$1,2642-bedroom FMR, FY2027

$1,0401-bedroom FMR, FY2027

$77,85080% income limit, family of 4 (FY2026)

$97,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in McClain County is $1,264 a month, up 1.6% from $1,244 in FY2026. McClain County belongs to the Oklahoma City, 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 McClain County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$958	$939	+2.0%	$863 – $1,053
1 bedroom	$1,040	$1,017	+2.3%	$936 – $1,144
2 bedrooms	$1,264	$1,244	+1.6%	$1,138 – $1,390
3 bedrooms	$1,713	$1,675	+2.3%	$1,542 – $1,884
4 bedrooms	$1,923	$1,857	+3.6%	$1,731 – $2,115

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 McClain County that is typically $1,138 to $1,390 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?

$40,533median income of renter households

$954Median gross rent, all units

28%Rent-to-income ratio (median rent ÷ median renter income)

50%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,533 can afford about $1,013 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,264 is $251 (24.7%) more than that. To rent a two-bedroom at the FMR, a household needs $50,560 a year under the 30% rule, or $45,504 under the common landlord rule that income must be three times the rent.

McClain County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$954 ±$49
Median income of renter households	$40,533 ±$7,046
Renters paying 30% or more of income (cost-burdened)	50.3% ±7.2
Renters paying 50% or more (severely cost-burdened)	24.0% ±4.9
Renter households (where the share can be computed)	2,986

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$780	$954	+22.3%
Median renter household income	$36,928	$40,533	+9.8%
Renters paying 30%+ of income	46.6%	50.3%	+3.7 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 $1,900 depending on the ZIP code.

All 129 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
73002	$660	$720	$940	$1,270	$1,570
73003	$1,200	$1,310	$1,590	$2,160	$2,420
73007	$830	$900	$1,090	$1,480	$1,660
73008	$920	$1,000	$1,220	$1,650	$1,860
73010	$870	$950	$1,200	$1,620	$1,910
73012	$1,440	$1,560	$1,900	$2,580	$2,890
73013	$1,300	$1,410	$1,710	$2,320	$2,600
73014	$860	$940	$1,140	$1,550	$1,730
73016	$1,050	$1,160	$1,470	$1,850	$2,140
73019	$990	$1,080	$1,310	$1,780	$1,990
73020	$1,170	$1,280	$1,550	$2,100	$2,360
73022	$1,060	$1,150	$1,400	$1,900	$2,130
73025	$1,120	$1,220	$1,490	$1,990	$2,250
73026	$920	$1,000	$1,220	$1,650	$1,860
73027	$710	$750	$920	$1,250	$1,370
73028	$740	$810	$990	$1,330	$1,490
73031	$870	$950	$1,200	$1,620	$1,910
73034	$1,040	$1,130	$1,370	$1,860	$2,080
73036	$800	$860	$1,050	$1,420	$1,600
73040	$840	$860	$1,100	$1,360	$1,510
73044	$800	$860	$1,050	$1,420	$1,600
73045	$870	$930	$1,120	$1,510	$1,710
73047	$820	$850	$1,060	$1,360	$1,430
73049	$850	$920	$1,120	$1,520	$1,700
73050	$690	$750	$920	$1,240	$1,390
73051	$830	$900	$1,090	$1,480	$1,660
73052	$740	$760	$980	$1,300	$1,570
73054	$820	$870	$1,020	$1,370	$1,560
73056	$710	$780	$970	$1,250	$1,410
73057	$720	$730	$950	$1,260	$1,540
73058	$790	$830	$990	$1,330	$1,510
73059	$830	$890	$1,120	$1,490	$1,700
73063	$740	$790	$970	$1,300	$1,470
73064	$1,110	$1,210	$1,470	$1,990	$2,240
73065	$870	$950	$1,150	$1,560	$1,750
73066	$1,070	$1,170	$1,410	$1,920	$2,150
73068	$920	$1,000	$1,210	$1,640	$1,840
73069	$930	$1,010	$1,230	$1,670	$1,870
73070	$970	$1,050	$1,280	$1,730	$1,950
73071	$970	$1,050	$1,280	$1,730	$1,950
73072	$1,000	$1,090	$1,320	$1,790	$2,010
73073	$700	$730	$920	$1,190	$1,400
73074	$700	$710	$930	$1,230	$1,510
73078	$1,410	$1,530	$1,860	$2,520	$2,830
73080	$780	$850	$1,030	$1,400	$1,570
73083	$940	$1,020	$1,240	$1,680	$1,890
73084	$990	$1,080	$1,310	$1,780	$1,990
73085	$1,060	$1,150	$1,400	$1,900	$2,130
73090	$920	$1,000	$1,210	$1,640	$1,840
73093	$920	$990	$1,220	$1,640	$1,820
73095	$780	$850	$1,030	$1,400	$1,570
73097	$1,250	$1,350	$1,650	$2,230	$2,500
73099	$1,080	$1,180	$1,430	$1,940	$2,180
73101	$940	$1,020	$1,240	$1,680	$1,890
73102	$1,180	$1,280	$1,560	$2,110	$2,370
73103	$1,070	$1,160	$1,410	$1,910	$2,140
73104	$1,300	$1,410	$1,710	$2,320	$2,600
73105	$970	$1,050	$1,280	$1,730	$1,950
73106	$920	$1,000	$1,220	$1,650	$1,860
73107	$890	$970	$1,180	$1,600	$1,790
73108	$790	$860	$1,040	$1,410	$1,580
73109	$780	$850	$1,030	$1,400	$1,570
73110	$890	$970	$1,180	$1,600	$1,790
73111	$830	$900	$1,090	$1,480	$1,660
73112	$990	$1,070	$1,300	$1,760	$1,980
73113	$940	$1,020	$1,240	$1,680	$1,890
73114	$1,000	$1,090	$1,320	$1,790	$2,010
73115	$860	$940	$1,140	$1,550	$1,730
73116	$990	$1,080	$1,310	$1,780	$1,990
73117	$880	$950	$1,160	$1,570	$1,760
73118	$920	$1,000	$1,220	$1,650	$1,860
73119	$810	$880	$1,070	$1,450	$1,630
73120	$1,020	$1,100	$1,340	$1,820	$2,040
73121	$840	$910	$1,110	$1,500	$1,690
73122	$840	$910	$1,110	$1,500	$1,690
73123	$940	$1,020	$1,240	$1,680	$1,890
73127	$820	$890	$1,080	$1,460	$1,640
73128	$1,170	$1,270	$1,540	$2,090	$2,340
73129	$820	$890	$1,080	$1,460	$1,640
73130	$1,010	$1,090	$1,330	$1,800	$2,020
73131	$1,440	$1,560	$1,900	$2,580	$2,890
73132	$890	$970	$1,180	$1,600	$1,790
73134	$1,070	$1,160	$1,410	$1,910	$2,140
73135	$1,050	$1,140	$1,390	$1,880	$2,110
73136	$940	$1,020	$1,240	$1,680	$1,890
73137	$940	$1,020	$1,240	$1,680	$1,890
73139	$830	$900	$1,090	$1,480	$1,660
73140	$940	$1,020	$1,240	$1,680	$1,890
73141	$800	$860	$1,050	$1,420	$1,600
73142	$1,050	$1,140	$1,390	$1,880	$2,110
73143	$940	$1,020	$1,240	$1,680	$1,890
73144	$940	$1,020	$1,240	$1,680	$1,890
73145	$1,420	$1,550	$1,880	$2,550	$2,860
73146	$940	$1,020	$1,240	$1,680	$1,890
73147	$940	$1,020	$1,240	$1,680	$1,890
73148	$940	$1,020	$1,240	$1,680	$1,890
73149	$880	$950	$1,160	$1,570	$1,760
73150	$730	$790	$960	$1,300	$1,460
73151	$1,020	$1,110	$1,350	$1,830	$2,050
73152	$940	$1,020	$1,240	$1,680	$1,890
73153	$990	$1,080	$1,310	$1,780	$1,990
73154	$940	$1,020	$1,240	$1,680	$1,890
73155	$940	$1,020	$1,240	$1,680	$1,890
73156	$940	$1,020	$1,240	$1,680	$1,890
73157	$940	$1,020	$1,240	$1,680	$1,890
73159	$970	$1,050	$1,280	$1,730	$1,950
73160	$1,020	$1,110	$1,350	$1,830	$2,050
73162	$980	$1,060	$1,290	$1,750	$1,960
73165	$910	$990	$1,200	$1,630	$1,830
73169	$1,070	$1,160	$1,410	$1,910	$2,140
73170	$1,290	$1,400	$1,700	$2,300	$2,590
73172	$940	$1,020	$1,240	$1,680	$1,890
73173	$1,050	$1,140	$1,380	$1,870	$2,110
73179	$1,440	$1,560	$1,900	$2,580	$2,890
73184	$940	$1,020	$1,240	$1,680	$1,890
73189	$990	$1,080	$1,310	$1,780	$1,990
73190	$940	$1,020	$1,240	$1,680	$1,890
73194	$940	$1,020	$1,240	$1,680	$1,890
73195	$940	$1,020	$1,240	$1,680	$1,890
73742	$690	$770	$990	$1,210	$1,410
73762	$710	$780	$970	$1,260	$1,440
74059	$780	$810	$980	$1,350	$1,430
74831	$740	$780	$980	$1,310	$1,520
74851	$720	$730	$920	$1,230	$1,430
74852	$700	$700	$920	$1,220	$1,440
74857	$1,050	$1,140	$1,390	$1,880	$2,110
74872	$690	$700	$920	$1,210	$1,480
74878	$710	$720	$930	$1,250	$1,460
74881	$800	$820	$920	$1,220	$1,420

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

HUD income limits for McClain County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $97,300 (FY2025: $99,000, −1.7%). 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%)	$20,450 −0.5%	$23,400 −0.2%	$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%)	$34,100 −0.3%	$38,950 −0.4%	$43,800 −0.5%	$48,650 −0.4%	$52,550 −0.5%	$56,450 −0.4%	$60,350 −0.4%	$64,250 −0.4%
Low income (80%)	$54,500 −0.5%	$62,300 −0.4%	$70,100 −0.4%	$77,850 −0.4%	$84,100 −0.4%	$90,350 −0.4%	$96,550 −0.4%	$102,800 −0.4%

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.