County FMR · HUD FY2026
Harmon County Fair Market Rent
HUD's FY2026 Fair Market Rent for Harmon County, OK - 24% below the US average.
- $732
- 1-bedroom FMR
- $937
- 2-bedroom FMR
- +3.0%
- YoY change
- -24%
- vs US avg
The verdict
Harmon is the 14th cheapest of 77 counties in Oklahoma by 2-bedroom FMR; nationally it ranks #724 most affordable of 3,145 HUD counties.
- #724
- most affordable of 3,145 US counties (2BR)
- #14
- cheapest of 77 in Oklahoma (2BR)
- -7%
- vs the state average
- $29,280
- income to afford it (30% rule)
Software Developers spend the smallest share of income on rent here (8.2%), while Fast Food and Counter Workers spend the most (37.2%); 13 of 15 common occupations here can afford a 1-bedroom at Fair Market Rent without exceeding the 30% threshold.
FY 2026 HUD Fair Market Rent for Harmon County, OK. Verify with HUD →
Harmon County, Oklahoma carries an FY 2026 1-bedroom Fair Market Rent of $732 per month, the federal benchmark HUD publishes for this county. A 2-bedroom costs $937/mo and a studio is $705/mo. That's 24% below the national benchmark of $959 and 7% below the Oklahoma average of $791.
Rent increased3.0% from FY 2025 ($711), outpacing inflation. The 30% affordability floor is comparatively reachable here at $29,280/year.
Observed renter burden: 24.1% of the 266 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 11.3%, a loose rental market that typically gives renters more negotiating leverage than the FMR schedule alone implies.
Local labor market: The county's BLS unemployment rate has averaged 2.6% over the past 12 months, a tight labor market that typically supports steadier rent demand.
FY 2026 HUD Fair Market Rents in Oklahoma. Population: 2,499. Population declined 9.9% over the past five years (Census ACS), a trend that can ease rental-market pressure over time even as FMR reflects recent rent levels. That's slower than Oklahoma's statewide growth of +2.0% over the same period.
FMR filing desk
Area HARMON·COUNTY·OK·OK
Harmon County, OK: $732/mo 1BR · #724 of 3145 counties (2BR) · FY2026
- FMR-AREA OK
- 1BR-FMR $732
- 2BR-FMR $937
- RANK-MID #724
- YOY-UP +3.0%
- VSUS-BELOW -24%
- VS-ST-NEAR -7% OK
- INC-ROOM 16%
- POP-SMALL 2K
- PHOTO-NEAR Oklahoma County
- VOUCH-90-110 $659–$805
- FY-2026 FY2026
Photo-finish peer: Oklahoma ($285 1BR gap)
Read with: Section 8 housing guide
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $678 | $705 | +$27 (+4.0%) |
| 1 Bedroom | $711 | $732 | +$21 (+3.0%) |
| 2 Bedroom | $910 | $937 | +$27 (+3.0%) |
| 3 Bedroom | $1,096 | $1,123 | +$27 (+2.5%) |
| 4 Bedroom | $1,528 | $1,572 | +$44 (+2.9%) |
Rent Burden Analysis
How much of household income goes to rent in Harmon 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 Harmon 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 Harmon 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
- Harmon
Harmon County
$732 1BR FMR / mo
What this shows Harmon 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), Harmon County (this county) ($732).
Can Common Jobs Afford Rent Here?
With a below-average 1-bedroom at $732/mo, most of these Oklahoma occupations clear, or miss, the 30% affordability line.
| Occupation | OK Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $107,420 | 8.2% | Affordable |
| Registered Nurses | $81,160 | 10.8% | Affordable |
| General & Operations Managers | $80,620 | 10.9% | Affordable |
| Accountants & Auditors | $76,820 | 11.4% | Affordable |
| Electricians | $60,050 | 14.6% | Affordable |
| Police & Sheriff's Patrol Officers | $57,360 | 15.3% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $51,920 | 16.9% | Affordable |
| Paralegals & Legal Assistants | $50,200 | 17.5% | Affordable |
| Elementary School Teachers | $47,470 | 18.5% | Affordable |
| Pharmacy Technicians | $38,200 | 23% | Affordable |
| Customer Service Representatives | $37,570 | 23.4% | Affordable |
| Janitors & Cleaners | $30,590 | 28.7% | Affordable |
| Retail Salespersons | $29,580 | 29.7% | Affordable |
| Teaching Assistants | $26,830 | 32.7% | Stretched |
| Fast Food & Counter Workers | $23,590 | 37.2% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Harmon County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Harmon (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 36.1% overall, from $538 to $732. Most of that movement was gradual except for a single sharp jump of +12.4% in FY 2024, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑3.0% | $705 | $732 | $937 |
| FY 2025 ↑2.0% | $678 | $711 | $910 |
| FY 2024 ↑12.4% | $677 | $697 | $891 |
| FY 2023 ↑7.3% | $619 | $620 | $797 |
| FY 2022 ↑1.4% | $574 | $578 | $740 |
| FY 2021 ↑5.9% | $561 | $570 | $728 |
| FY 2020 | $511 | $538 | $686 |
Where Harmon County Ranks in Oklahoma
Harmon 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 #14 of 77 counties in Oklahoma. Nearest by rank: Choctaw County ($937), Cimarron County ($937), Coal County ($937), Custer County ($937), Ellis County ($937), Garvin County ($937), Grant County ($937), Greer County ($937), Harmon County (this county) ($937), Harper County ($937), Haskell County ($937), Hughes County ($937), Jackson County ($937), Jefferson County ($937), Johnston County ($937), Kay County ($937), Kiowa County ($937).
Nationwide peers by 2BR FMR & rent burden
Two PlainRent-derived comparison paths for Harmon 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 Harmon County?
The FY 2026 Fair Market Rent for a 1-bedroom in Harmon County is $732 per month. A 2-bedroom is $937 and a studio is $705.
How does Harmon County rent compare to the national average?
Rent in Harmon County is 24% below the national average. A 1-bedroom here costs $732 compared to $959 nationally.
Where does Harmon County rank nationally for Fair Market Rent?
According to HUD's FY 2026 Fair Market Rent schedule, Harmon County's 2-bedroom FMR of $937 ranks #724 most affordable among 3,145 HUD counties, placing it in the lower-rent quarter of HUD counties.
What income do I need to afford rent in Harmon County?
Based on the 30% affordability rule, you need an annual income of at least $29,280 ($2,440/month) to afford a 1-bedroom at Fair Market Rent in Harmon County.
Is rent going up or down in Harmon County?
The 1-bedroom Fair Market Rent in Harmon County increased by 3.0% from FY 2025 to FY 2026, going from $711 to $732.
Which jobs can afford rent in Harmon 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 $732/mo. 13 of 15 common occupations are affordable here.
How much has rent changed in Harmon County over time?
The 1-bedroom Fair Market Rent in Harmon County went from $538 in FY 2020 to $732 in FY 2026, a total change of +36.1% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Harmon County?
In Harmon County, the FY 2026 FMR of $732/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 Harmon County?
For Harmon County, it's the specific 40th-percentile rent HUD publishes each year ($732/mo for a 1-bedroom in FY 2026).
Is the rental market tight or loose in Harmon County?
The ACS rental vacancy rate here is 11.3%, a loose rental market that typically gives renters more negotiating leverage than the FMR schedule alone implies.
What is the unemployment rate in Harmon County?
The county's BLS unemployment rate has averaged 2.6% over the past 12 months, a tight labor market that typically supports steadier rent demand.
Data sources
What this means for renters
Treat Harmon'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 $732 implies about $29,280/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 Harmon 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.