County FMR · HUD FY2026
Atoka County Fair Market Rent
HUD's FY2026 Fair Market Rent for Atoka County, OK - 22% below the US average.
- $744
- 1-bedroom FMR
- $937
- 2-bedroom FMR
- +6.1%
- YoY change
- -22%
- vs US avg
The verdict
Atoka is the 3rd cheapest of 77 counties in Oklahoma by 2-bedroom FMR; rent here has climbed 6.1% since FY 2025, a modest shift relative to most counties.
- #3
- cheapest of 77 in Oklahoma (2BR)
- -6%
- vs the state average
- $29,760
- income to afford it (30% rule)
- +6.1%
- YoY, FY2025→2026
Software Developers spend the smallest share of income on rent here (8.3%), while Fast Food and Counter Workers spend the most (37.8%).
FY 2026 HUD Fair Market Rent for Atoka County, OK. Verify with HUD →
The Fair Market Rent for a 1-bedroom apartment in Atoka County, Oklahoma is $744 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $937/mo and a studio is $705/mo. This is 22% lower than the national average of $959 and 6% below the Oklahoma average of $791.
Rent increased6.1% from FY 2025 ($701), outpacing inflation. To afford rent here, a household needs at least $29,760/year based on the 30% affordability rule.
FY 2026 HUD Fair Market Rents in Oklahoma. Population: 14,117. Population has held roughly steady over the past five years (+2.7%, Census ACS). That's in line with Oklahoma's statewide growth of +2.0% over the same period.
What these rents mean for Atoka County
The Atoka County FMR area applies to all ZIP codes inside the county boundary, and Oklahoma's housing authorities use it as the baseline for Section 8 Housing Choice Voucher payment standards. See how FMR is calculated for the full 40th-percentile methodology and payment-standard rules.
Compared to the rest of the country, a 1-bedroom here is 22% below the US average of $959 and 6% lower than the Oklahoma state average of $791. Year-over-year, the 1-bedroom FMR moved from$701 in FY 2025 to $744 in FY 2026 - a change of +6.1%, which outpaces typical consumer inflation.
At the FY 2026 1-bedroom FMR of $744, affording it under the 30%-of-income rule takes $29,760 per year (about $2,480/month) in household income, and a 2-bedroom at $937 pushes that threshold even higher. With a population of 14,117 and a county median household income of $52,034, the arithmetic here directly shapes which wage earners can rent without being cost-burdened.
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $678 | $705 | +$27 (+4.0%) |
| 1 Bedroom | $701 | $744 | +$43 (+6.1%) |
| 2 Bedroom | $910 | $937 | +$27 (+3.0%) |
| 3 Bedroom | $1,139 | $1,175 | +$36 (+3.2%) |
| 4 Bedroom | $1,206 | $1,241 | +$35 (+2.9%) |
Affordability Snapshot
Based on the standard that rent should not exceed 30% of gross income:
Rent Burden Analysis
How much of household income goes to rent in Atoka County. The 30% threshold indicates cost burden.
How we calculate this
Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.
Atoka County 2-bedroom rent burden
Where Atoka sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$937 higher than 23% of 3,145 counties
Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026
How Atoka compares on 1-bedroom rent
1-bedroom FMR vs other Oklahoma counties
- Oklahoma
Oklahoma County
$1,017 1BR FMR / mo
- Cleveland
Cleveland County
$1,017 1BR FMR / mo
- Canadian
Canadian County
$1,017 1BR FMR / mo
- Tulsa
Tulsa County
$987 1BR FMR / mo
- Rogers
Rogers County
$987 1BR FMR / mo
- Comanche
Comanche County
$784 1BR FMR / mo
- Atoka
Atoka County
$744 1BR FMR / mo
What this shows Atoka is highlighted. Nearby Oklahoma counties by 1-bedroom FMR, highest to lowest: Oklahoma County ($1,017), Cleveland County ($1,017), Canadian County ($1,017), Tulsa County ($987), Rogers County ($987), Comanche County ($784), Atoka County (this county) ($744).
Can Common Jobs Afford Rent Here?
How a 1-bedroom at $744/mo compares to Oklahoma salaries for popular occupations (BLS wage data, 30%-of-income rule).
| Occupation | OK Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $107,420 | 8.3% | Affordable |
| Registered Nurses | $81,160 | 11% | Affordable |
| General & Operations Managers | $80,620 | 11.1% | Affordable |
| Accountants & Auditors | $76,820 | 11.6% | Affordable |
| Electricians | $60,050 | 14.9% | Affordable |
| Police & Sheriff's Patrol Officers | $57,360 | 15.6% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $51,920 | 17.2% | Affordable |
| Paralegals & Legal Assistants | $50,200 | 17.8% | Affordable |
| Elementary School Teachers | $47,470 | 18.8% | Affordable |
| Pharmacy Technicians | $38,200 | 23.4% | Affordable |
| Customer Service Representatives | $37,570 | 23.8% | Affordable |
| Janitors & Cleaners | $30,590 | 29.2% | Affordable |
| Retail Salespersons | $29,580 | 30.2% | Stretched |
| Teaching Assistants | $26,830 | 33.3% | Stretched |
| Fast Food & Counter Workers | $23,590 | 37.8% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Atoka County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Atoka (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 42.8% overall, from $521 to $744. Most of that movement was gradual except for a single sharp jump of +13.3% in FY 2024, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑6.1% | $705 | $744 | $937 |
| FY 2025 ↓0.6% | $678 | $701 | $910 |
| FY 2024 ↑13.3% | $677 | $705 | $891 |
| FY 2023 ↑6.9% | $619 | $622 | $797 |
| FY 2022 ↑5.4% | $581 | $582 | $740 |
| FY 2021 ↑6.0% | $549 | $552 | $728 |
| FY 2020 | $511 | $521 | $686 |
Where Atoka County Ranks in Oklahoma
Atoka County is not part of any federally-designated metropolitan or micropolitan statistical area -- an independent rental market not administratively tied to a larger urban core. By 2-bedroom FMR, it ranks #3 of 77 counties in Oklahoma. Nearest by rank: Adair County ($937), Alfalfa County ($937), Atoka County (this county) ($937), Beaver County ($937), Caddo County ($937), Choctaw County ($937), Cimarron County ($937), Coal County ($937), Custer County ($937), Ellis County ($937), Garvin County ($937).
Nearby Counties in Oklahoma
Largest counties by population in Oklahoma
Frequently Asked Questions
What is the average rent in Atoka County? ▼
How does Atoka County rent compare to the national average? ▼
What income do I need to afford rent in Atoka County? ▼
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Which jobs can afford rent in Atoka County? ▼
How much has rent changed in Atoka County over time? ▼
How does Fair Market Rent affect Section 8 vouchers in Atoka County? ▼
What does Fair Market Rent mean for Atoka County? ▼
What this means for renters
Treat Atoka's FY2026 Fair Market Rent as HUD's affordability benchmark, not a market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $744 implies about $29,760/yr to rent without being cost-burdened. Run your numbers
- Compare this county against nearby metros and states before signing a lease. Compare areas
- See where it sits on the national rent map. View rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents in Atoka can run higher or lower, and HUD updates FMRs once a year. This page is informational and not financial or relocation advice.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.
Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.