County FMR · HUD FY2026
Garfield County Fair Market Rent
HUD's FY2026 Fair Market Rent for Garfield County, OK - 17% below the US average.
- $799
- 1-bedroom FMR
- $1,027
- 2-bedroom FMR
- +7.0%
- YoY change
- -17%
- vs US avg
The verdict
Garfield is the 18th most expensive of 77 counties in Oklahoma by 2-bedroom FMR; nationally it ranks #1,573 most expensive of 3,145 HUD counties; rent here has climbed 7.0% since FY 2025, a modest shift relative to most counties.
- #1,573
- most expensive of 3,145 US counties (2BR)
- #18
- most expensive of 77 in Oklahoma (2BR)
- +1%
- vs the state average
- $31,960
- income to afford it (30% rule)
Software Developers spend the smallest share of income on rent here (8.9%), while Fast Food and Counter Workers spend the most (40.6%).
FY 2026 HUD Fair Market Rent for Garfield County, OK. Verify with HUD →
HUD sets the FY 2026 1-bedroom Fair Market Rent for Garfield County, Oklahoma at $799 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $1,027/mo and a studio is $785/mo. This is 17% lower than the national average of $959 and 1% above the Oklahoma average of $791.
Rent increased7.0% from FY 2025 ($747), outpacing inflation. The 30% affordability floor is comparatively reachable here at $31,960/year.
Observed renter burden: 38.7% of the 8,470 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from HUD's FY2026 Fair Market Rent benchmark above.
Market slack: The ACS rental vacancy rate here is 9.0%, close to the range where market rents and HUD's FMR benchmark tend to track each other.
Local labor market: The county's BLS unemployment rate has averaged 3.6% over the past 12 months, close to the typical US county range.
FY 2026 HUD Fair Market Rents in Oklahoma. Population: 62,456. Population has held roughly steady over the past five years (+0.2%, Census ACS). That's slower than Oklahoma's statewide growth of +2.0% over the same period.
FMR filing desk
Area GARFIELD·COUNTY·OK·OK
Garfield County, OK: $799/mo 1BR · #1573 of 3145 counties (2BR) · FY2026
- FMR-AREA OK
- 1BR-FMR $799
- 2BR-FMR $1,027
- RANK-MID #1,573
- YOY-SURGE +7.0%
- VSUS-BELOW -17%
- VS-ST-NEAR +1% OK
- INC-ROOM 14%
- POP-MID 62K
- PHOTO-NEAR Oklahoma County
- VOUCH-90-110 $719–$879
- FY-2026 FY2026
Photo-finish peer: Oklahoma ($218 1BR gap)
Read with: Section 8 housing guide
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $739 | $785 | +$46 (+6.2%) |
| 1 Bedroom | $747 | $799 | +$52 (+7.0%) |
| 2 Bedroom | $980 | $1,027 | +$47 (+4.8%) |
| 3 Bedroom | $1,264 | $1,336 | +$72 (+5.7%) |
| 4 Bedroom | $1,299 | $1,360 | +$61 (+4.7%) |
Rent Burden Analysis
How much of household income goes to rent in Garfield 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.
Where Garfield sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$1,027 higher than 50% 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 Garfield 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
- Garfield
Garfield County
$799 1BR FMR / mo
- Comanche
Comanche County
$784 1BR FMR / mo
What this shows Garfield 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), Garfield County (this county) ($799), Comanche County ($784).
Can Common Jobs Afford Rent Here?
With a below-average 1-bedroom at $799/mo, most of these Oklahoma occupations clear, or miss, the 30% affordability line.
| Occupation | OK Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $107,420 | 8.9% | Affordable |
| Registered Nurses | $81,160 | 11.8% | Affordable |
| General & Operations Managers | $80,620 | 11.9% | Affordable |
| Accountants & Auditors | $76,820 | 12.5% | Affordable |
| Electricians | $60,050 | 16% | Affordable |
| Police & Sheriff's Patrol Officers | $57,360 | 16.7% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $51,920 | 18.5% | Affordable |
| Paralegals & Legal Assistants | $50,200 | 19.1% | Affordable |
| Elementary School Teachers | $47,470 | 20.2% | Affordable |
| Pharmacy Technicians | $38,200 | 25.1% | Affordable |
| Customer Service Representatives | $37,570 | 25.5% | Affordable |
| Janitors & Cleaners | $30,590 | 31.3% | Stretched |
| Retail Salespersons | $29,580 | 32.4% | Stretched |
| Teaching Assistants | $26,830 | 35.7% | Stretched |
| Fast Food & Counter Workers | $23,590 | 40.6% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Garfield County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Garfield (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 28.3% overall, from $623 to $799. The increases have been fairly steady year to year, with no single jump exceeding 11.3% (FY 2024).
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑7.0% | $785 | $799 | $1,027 |
| FY 2025 ↓1.7% | $739 | $747 | $980 |
| FY 2024 ↑11.3% | $744 | $760 | $998 |
| FY 2023 ↑3.8% | $666 | $683 | $899 |
| FY 2022 ↑3.6% | $575 | $658 | $866 |
| FY 2021 ↑1.9% | $552 | $635 | $837 |
| FY 2020 | $534 | $623 | $820 |
Part of the Enid, OK Metro Area
Garfield County is a central county of the Enid, OK metropolitan statistical area.
Nationwide peers by 2BR FMR & rent burden
Two PlainRent-derived comparison paths for Garfield 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).
Similar rent burden
Nearest 2BR FMR as a share of median household income (outside OK).
Nearby Counties in Oklahoma
Largest counties by population in Oklahoma
Showing the 8 largest of 76 other counties in Oklahoma.
Frequently Asked Questions
What is the average rent in Garfield County?
The FY 2026 Fair Market Rent for a 1-bedroom in Garfield County is $799 per month. A 2-bedroom is $1,027 and a studio is $785.
How does Garfield County rent compare to the national average?
Rent in Garfield County is 17% below the national average. A 1-bedroom here costs $799 compared to $959 nationally.
Where does Garfield County rank nationally for Fair Market Rent?
According to HUD's FY 2026 Fair Market Rent schedule, Garfield County's 2-bedroom FMR of $1,027 ranks #1,573 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 Garfield County?
Based on the 30% affordability rule, you need an annual income of at least $31,960 ($2,663/month) to afford a 1-bedroom at Fair Market Rent in Garfield County.
Is rent going up or down in Garfield County?
The 1-bedroom Fair Market Rent in Garfield County increased by 7.0% from FY 2025 to FY 2026, going from $747 to $799.
Which jobs can afford rent in Garfield 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 $799/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Garfield County over time?
The 1-bedroom Fair Market Rent in Garfield County went from $623 in FY 2020 to $799 in FY 2026, a total change of +28.3% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Garfield County?
In Garfield County, the FY 2026 FMR of $799/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 Garfield County?
For Garfield County, it's the specific 40th-percentile rent HUD publishes each year ($799/mo for a 1-bedroom in FY 2026).
Is the rental market tight or loose in Garfield County?
The ACS rental vacancy rate here is 9.0%, close to the range where market rents and HUD's FMR benchmark tend to track each other.
What is the unemployment rate in Garfield County?
The county's BLS unemployment rate has averaged 3.6% over the past 12 months, close to the typical US county range.
Data sources
What this means for renters
Treat Garfield's FY2026 Fair Market Rent as HUD's affordability benchmark, not a single market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $799 implies about $31,960/yr to rent without being cost-burdened. Run your numbers
- Oklahoma counties vary widely around this figure - compare specific counties before assuming this applies to yours. Compare vs Oklahoma
- See where Garfield ranks nationally on rent. National rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents can run higher or lower, and HUD updates FMRs once a year. This site is informational and not financial or relocation advice.
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.