Clay County
FY 2026 HUD Fair Market Rents in Kentucky. Population: 20,322.
Fair Market Rents (2026)
Studio
National avg: $893
$662/mo
↓ 9.9% YoY
-26% vs US
1 Bedroom
National avg: $959
$759/mo
↑ 2.6% YoY
-21% vs US
2 Bedroom
National avg: $1,175
$866/mo
↓ 0.1% YoY
-26% vs US
3 Bedroom
National avg: $1,525
$1,176/mo
↓ 3.2% YoY
-23% vs US
4 Bedroom
National avg: $1,756
$1,308/mo
↓ 10.0% YoY
-26% vs US
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $735 | $662 | $-73 (-9.9%) |
| 1 Bedroom | $740 | $759 | +$19 (+2.6%) |
| 2 Bedroom | $867 | $866 | $-1 (-0.1%) |
| 3 Bedroom | $1,215 | $1,176 | $-39 (-3.2%) |
| 4 Bedroom | $1,453 | $1,308 | $-145 (-10.0%) |
Affordability Snapshot
Based on the standard that rent should not exceed 30% of gross income:
Required annual income for 1 BR
$30,360
$2,530/month gross
Required annual income for 2 BR
$34,640
$2,887/month gross
Other Counties in Kentucky
Washington County
1 BR: $708/mo
Robertson County
1 BR: $660/mo
Metcalfe County
1 BR: $755/mo
Hopkins County
1 BR: $686/mo
Lincoln County
1 BR: $753/mo
Garrard County
1 BR: $821/mo
Data source: U.S. Department of Housing and Urban Development, FY 2026 Fair Market Rents. Fair Market Rents represent the 40th percentile of gross rents for standard quality units in each area.