County FMR · HUD FY2026

Carter County Fair Market Rent

HUD's FY2026 Fair Market Rent for Carter County, OK - 16% below the US average.

$803
1-bedroom FMR
$1,054
2-bedroom FMR
+1.4%
YoY change
-16%
vs US avg

The verdict

Carter is the 15th most expensive of 77 counties in Oklahoma by 2-bedroom FMR; nationally it ranks #1,447 most expensive of 3,145 HUD counties.

#1,447
most expensive of 3,145 US counties (2BR)
#15
most expensive of 77 in Oklahoma (2BR)
+2%
vs the state average
$32,120
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (9%), while Fast Food and Counter Workers spend the most (40.8%).

FY 2026 HUD Fair Market Rent for Carter County, OK. Verify with HUD →

Carter County, Oklahoma carries an FY 2026 1-bedroom Fair Market Rent of $803 per month, the federal benchmark HUD publishes for this county. A 2-bedroom costs $1,054/mo and a studio is $776/mo. That's 16% below the national benchmark of $959 and 2% above the Oklahoma average of $791.

Rent increased1.4% from FY 2025 ($792), roughly tracking inflation. The 30% affordability floor is comparatively reachable here at $32,120/year.

FY 2026 HUD Fair Market Rents in Oklahoma. Population: 48,202. Population has held roughly steady over the past five years (-0.3%, Census ACS). That's slower than Oklahoma's statewide growth of +2.0% over the same period.

FMR filing desk

Area CARTER·COUNTY·OK·OK

Carter County, OK: $803/mo 1BR · #1447 of 3145 counties (2BR) · FY2026

  • FMR-AREA OK
  • 1BR-FMR $803
  • 2BR-FMR $1,054
  • RANK-MID #1,447
  • YOY-FLAT +1.4%
  • VSUS-BELOW -16%
  • VS-ST-NEAR +2% OK
  • INC-ROOM 16%
  • POP-SMALL 48K
  • PHOTO-NEAR Oklahoma County
  • VOUCH-90-110 $723–$883
  • FY-2026 FY2026

Photo-finish peer: Oklahoma ($214 1BR gap)

Read with: Section 8 housing guide

Fair Market Rents (2026)

Studio
State avg: $744 · US avg: $893
$776/mo
↓ 1.3% YoY +4% vs state -13% vs US
1 Bedroom
State avg: $791 · US avg: $959
$803/mo
↑ 1.4% YoY +2% vs state -16% vs US
2 Bedroom
State avg: $995 · US avg: $1,175
$1,054/mo
↑ 1.4% YoY +6% vs state -10% vs US
3 Bedroom
State avg: $1,297 · US avg: $1,525
$1,324/mo
↑ 2.5% YoY +2% vs state -13% vs US
4 Bedroom
State avg: $1,501 · US avg: $1,756
$1,553/mo
↑ 5.9% YoY +3% vs state -12% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $786
$776
$-10 (-1.3%)
1 Bedroom $792
$803
+$11 (+1.4%)
2 Bedroom $1,039
$1,054
+$15 (+1.4%)
3 Bedroom $1,292
$1,324
+$32 (+2.5%)
4 Bedroom $1,466
$1,553
+$87 (+5.9%)

Rent Burden Analysis

How much of household income goes to rent in Carter County. The 30% threshold indicates cost burden.

Studio
15.8%
Affordable
Need $31,040/yr for 30% rule
1 Bedroom
16.4%
Affordable
Need $32,120/yr for 30% rule
2 Bedroom
21.5%
Affordable
Need $42,160/yr for 30% rule
3 Bedroom
27%
Affordable
Need $52,960/yr for 30% rule
4 Bedroom
31.7%
Burdened
Need $62,120/yr for 30% rule
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.

0%100%National avg22%21.5%
Carter County 2-bedroom rent burden
County median income: $58,856 · National avg burden: 21.7% ·View Oklahoma rent burden →

Where Carter sits among every US county

2-bedroom Fair Market Rent vs. all 3,145 HUD counties

$1,054 higher than 54% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). Below this entry. $1,000–$1,200: 723 counties (23%). This entry sits in this band. $1,200–$1,400: 417 counties (13%). Above this entry. $1,400–$1,600: 181 counties (6%). Above this entry. $1,600–$1,800: 172 counties (5%). Above this entry. $1,800–$2,000: 108 counties (3%). Above this entry. $2,000–$2,200: 29 counties (1%). Above this entry. $2,200–$2,400: 40 counties (1%). Above this entry. $2,400–$2,600: 13 counties (0%). Above this entry. $2,600–$2,800: 9 counties (0%). Above this entry. $2,800–$3,000: 15 counties (0%). Above this entry. $3,000–$3,200: 3 counties (0%). Above this entry. $3,200–$3,400: 1 counties (0%). Above this entry. $3,400–$3,600: 1 counties (0%). Above this entry. $3,600–$3,800: 3 counties (0%). Above this entry. $3,800–$4,000: 0 counties (0%). Above this entry. $4,000–$4,200: 0 counties (0%). Above this entry. $4,200–$4,400: 1 counties (0%). Above this entry. This county $600 $4,400 every US county, bucketed by value

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 Carter compares on 1-bedroom rent

1-bedroom FMR vs other Oklahoma counties

1BR FMR / mo

What this shows Carter 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), Carter County (this county) ($803), Comanche County ($784).

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

With a below-average 1-bedroom at $803/mo, most of these Oklahoma occupations clear, or miss, the 30% affordability line.

Occupation OK Salary Rent Burden Verdict
Software Developers $107,420 9% Affordable
Registered Nurses $81,160 11.9% Affordable
General & Operations Managers $80,620 12% Affordable
Accountants & Auditors $76,820 12.5% Affordable
Electricians $60,050 16% Affordable
Police & Sheriff's Patrol Officers $57,360 16.8% Affordable
Heavy & Tractor-Trailer Truck Drivers $51,920 18.6% Affordable
Paralegals & Legal Assistants $50,200 19.2% Affordable
Elementary School Teachers $47,470 20.3% Affordable
Pharmacy Technicians $38,200 25.2% Affordable
Customer Service Representatives $37,570 25.6% Affordable
Janitors & Cleaners $30,590 31.5% Stretched
Retail Salespersons $29,580 32.6% Stretched
Teaching Assistants $26,830 35.9% Stretched
Fast Food & Counter Workers $23,590 40.8% Stretched
Salaries: BLS OES (Oklahoma) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

7-year Fair Market Rent history for Carter County. Shows how HUD rental rates have changed over time.

Over the 6-year span HUD has tracked for Carter (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 33.6% overall, from $601 to $803. The increases have been fairly steady year to year, with no single jump exceeding 8.5% (FY 2023).

$550$600$650$700$750$800$850 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $803
Carter County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑1.4% $776 $803 $1,054
FY 2025 ↑5.9% $786 $792 $1,039
FY 2024 ↑8.1% $743 $748 $983
FY 2023 ↑8.5% $688 $692 $884
FY 2022 ↓1.7% $634 $638 $793
FY 2021 ↑8.0% $642 $649 $781
FY 2020 $570 $601 $717
Total change (6yr): +33.6%
Annualized: +4.9%/yr
1 BR: $601 → $803

Part of the Ardmore, OK Micro Area

Carter County is a central county of the Ardmore, OK micropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Carter County, both outside Oklahoma so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.

Similar 2-bedroom FMR

Nearest HUD 2BR Fair Market Rents outside OK (FY2026).

Lincoln County
NC · 2 BR $1,054/mo
Putnam County
WV · 2 BR $1,054/mo
Accomack County
VA · 2 BR $1,054/mo
Cheboygan County
MI · 2 BR $1,054/mo

Similar rent burden

Nearest 2BR FMR as a share of median household income (outside OK).

Crawford County
KS · 21.5% of income · 2 BR $901/mo
Preston County
WV · 21.5% of income · 2 BR $1,099/mo
Cass County
TX · 21.5% of income · 2 BR $973/mo
Lucas County
OH · 21.5% of income · 2 BR $1,076/mo

Nearby Counties in Oklahoma

Largest counties by population in Oklahoma

Showing the 8 largest of 76 other counties in Oklahoma.

Oklahoma County
1 BR: $1,017/mo Pop: 795,822
Tulsa County
1 BR: $987/mo Pop: 668,923
Cleveland County
1 BR: $1,017/mo Pop: 295,060
Canadian County
1 BR: $1,017/mo Pop: 156,681
Comanche County
1 BR: $784/mo Pop: 121,777
Rogers County
1 BR: $987/mo Pop: 95,870
Wagoner County
1 BR: $987/mo Pop: 82,269
Payne County
1 BR: $847/mo Pop: 82,058
View all counties in Oklahoma →

Frequently Asked Questions

What is the average rent in Carter County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Carter County is $803 per month. A 2-bedroom is $1,054 and a studio is $776.
How does Carter County rent compare to the national average? ▼
Rent in Carter County is 16% below the national average. A 1-bedroom here costs $803 compared to $959 nationally.
Where does Carter County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Carter County's 2-bedroom FMR of $1,054 ranks #1,447 most expensive among 3,145 HUD counties, placing it in the middle half of HUD counties.
What income do I need to afford rent in Carter County? ▼
Based on the 30% affordability rule, you need an annual income of at least $32,120 ($2,677/month) to afford a 1-bedroom at Fair Market Rent in Carter County.
Is rent going up or down in Carter County? ▼
The 1-bedroom Fair Market Rent in Carter County increased by 1.4% from FY 2025 to FY 2026, going from $792 to $803.
Which jobs can afford rent in Carter County? ▼
Based on Oklahoma BLS salary data and the 30% affordability rule, jobs like Software Developers, Registered Nurses, General and Operations Managers can afford a 1-bedroom at $803/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Carter County over time? ▼
The 1-bedroom Fair Market Rent in Carter County went from $601 in FY 2020 to $803 in FY 2026, a total change of +33.6% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Carter County? ▼
In Carter County, the FY 2026 FMR of $803/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Carter County? ▼
For Carter County, it's the specific 40th-percentile rent HUD publishes each year ($803/mo for a 1-bedroom in FY 2026).

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.

All federal data sources used on this page
  • HUD Fair Market Rents (FMR) - county-level fair-market rent estimates by bedroom count. huduser.gov/datasets/fmr
  • HUD Income Limits - area median income for affordability calculations. huduser.gov/datasets/il
  • HUD Comprehensive Housing Affordability Strategy (CHAS) - rent burden and housing-cost distribution. huduser.gov/datasets/cp
  • U.S. Census Bureau ACS - county and metro housing characteristics + median rent. census.gov/programs-surveys/acs
  • BLS Consumer Price Index, Rent of Primary Residence - rent inflation by metro. bls.gov/cpi
  • IRS Migration Data (SOI) - interstate migration aggregates affecting county demand. irs.gov/statistics/migration
  • BLS Occupational Employment and Wage Statistics - state-level median wages by occupation, used for job affordability analysis. bls.gov/oes

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.