County FMR · HUD FY2026

Kay County Fair Market Rent

HUD's FY2026 Fair Market Rent for Kay County, OK - 26% below the US average.

$714
1-bedroom FMR
$937
2-bedroom FMR
+2.9%
YoY change
-26%
vs US avg

The verdict

Kay is the 21st 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)
#21
cheapest of 77 in Oklahoma (2BR)
-10%
vs the state average
$28,560
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (8%), while Fast Food and Counter Workers spend the most (36.3%); 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 Kay County, OK. Verify with HUD →

The Fair Market Rent for a 1-bedroom apartment in Kay County, Oklahoma is $714 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 $646/mo. This is 26% lower than the national average of $959 and 10% below the Oklahoma average of $791.

Rent increased2.9% from FY 2025 ($694), outpacing inflation. The 30% affordability floor is comparatively reachable here at $28,560/year.

FY 2026 HUD Fair Market Rents in Oklahoma. Population: 43,859. Population has held roughly steady over the past five years (-2.6%, Census ACS). That's slower than Oklahoma's statewide growth of +2.0% over the same period.

FMR filing desk

Area KAY·COUNTY·OK·OK

Kay County, OK: $714/mo 1BR · #724 of 3145 counties (2BR) · FY2026

  • FMR-AREA OK
  • 1BR-FMR $714
  • 2BR-FMR $937
  • RANK-MID #724
  • YOY-UP +2.9%
  • VSUS-LOW -26%
  • VS-ST-LOW -10% OK
  • INC-ROOM 15%
  • POP-SMALL 44K
  • PHOTO-NEAR Oklahoma County
  • VOUCH-90-110 $643–$785
  • FY-2026 FY2026

Photo-finish peer: Oklahoma ($303 1BR gap)

Read with: Section 8 housing guide

Fair Market Rents (2026)

Studio
State avg: $744 · US avg: $893
$646/mo
↑ 3.5% YoY -13% vs state -28% vs US
1 Bedroom
State avg: $791 · US avg: $959
$714/mo
↑ 2.9% YoY -10% vs state -26% vs US
2 Bedroom
State avg: $995 · US avg: $1,175
$937/mo
↑ 3.0% YoY -6% vs state -20% vs US
3 Bedroom
State avg: $1,297 · US avg: $1,525
$1,250/mo
↑ 4.0% YoY -4% vs state -18% vs US
4 Bedroom
State avg: $1,501 · US avg: $1,756
$1,255/mo
↑ 4.1% YoY -16% vs state -29% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $624
$646
+$22 (+3.5%)
1 Bedroom $694
$714
+$20 (+2.9%)
2 Bedroom $910
$937
+$27 (+3.0%)
3 Bedroom $1,202
$1,250
+$48 (+4.0%)
4 Bedroom $1,206
$1,255
+$49 (+4.1%)

Rent Burden Analysis

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

Studio
13.7%
Affordable
Need $25,840/yr for 30% rule
1 Bedroom
15.1%
Affordable
Need $28,560/yr for 30% rule
2 Bedroom
19.8%
Affordable
Need $37,480/yr for 30% rule
3 Bedroom
26.5%
Affordable
Need $50,000/yr for 30% rule
4 Bedroom
26.6%
Affordable
Need $50,200/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%19.8%
Kay County 2-bedroom rent burden
County median income: $56,673 · National avg burden: 21.7% ·View Oklahoma rent burden →

Where Kay sits among every US county

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

$937 higher than 23% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). This entry sits in this band. $1,000–$1,200: 723 counties (23%). Above this entry. $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 Kay compares on 1-bedroom rent

1-bedroom FMR vs other Oklahoma counties

1BR FMR / mo

What this shows Kay 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), Kay County (this county) ($714).

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 $714/mo, most of these Oklahoma occupations clear, or miss, the 30% affordability line.

Occupation OK Salary Rent Burden Verdict
Software Developers $107,420 8% Affordable
General & Operations Managers $80,620 10.6% Affordable
Registered Nurses $81,160 10.6% Affordable
Accountants & Auditors $76,820 11.2% Affordable
Electricians $60,050 14.3% Affordable
Police & Sheriff's Patrol Officers $57,360 14.9% Affordable
Heavy & Tractor-Trailer Truck Drivers $51,920 16.5% Affordable
Paralegals & Legal Assistants $50,200 17.1% Affordable
Elementary School Teachers $47,470 18% Affordable
Pharmacy Technicians $38,200 22.4% Affordable
Customer Service Representatives $37,570 22.8% Affordable
Janitors & Cleaners $30,590 28% Affordable
Retail Salespersons $29,580 29% Affordable
Teaching Assistants $26,830 31.9% Stretched
Fast Food & Counter Workers $23,590 36.3% Stretched
Salaries: BLS OES (Oklahoma) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Kay (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 37.0% overall, from $521 to $714. Most of that movement was gradual except for a single sharp jump of +12.1% in FY 2024, well above this county's typical year-to-year change.

$500$550$600$650$700$750 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $714
Kay County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑2.9% $646 $714 $937
FY 2025 ↑2.4% $624 $694 $910
FY 2024 ↑12.1% $604 $678 $891
FY 2023 ↑7.7% $533 $605 $797
FY 2022 ↑1.8% $559 $562 $740
FY 2021 ↑6.0% $549 $552 $728
FY 2020 $517 $521 $686
Total change (6yr): +37.0%
Annualized: +5.4%/yr
1 BR: $521 → $714

Part of the Ponca City, OK Micro Area

Kay County is a central county of the Ponca City, OK micropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Kay 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).

Sebastian County
AR · 2 BR $937/mo
Jefferson County
AR · 2 BR $937/mo
Crawford County
AR · 2 BR $937/mo
Montgomery County
IL · 2 BR $937/mo

Similar rent burden

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

Santa Rosa County
FL · 19.8% of income · 2 BR $1,471/mo
Keith County
NE · 19.8% of income · 2 BR $961/mo
Logan County
ND · 19.8% of income · 2 BR $1,014/mo
Shiawassee County
MI · 19.8% of income · 2 BR $1,066/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 Kay County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Kay County is $714 per month. A 2-bedroom is $937 and a studio is $646.
How does Kay County rent compare to the national average? ▼
Rent in Kay County is 26% below the national average. A 1-bedroom here costs $714 compared to $959 nationally.
Where does Kay County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Kay 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 Kay County? ▼
Based on the 30% affordability rule, you need an annual income of at least $28,560 ($2,380/month) to afford a 1-bedroom at Fair Market Rent in Kay County.
Is rent going up or down in Kay County? ▼
The 1-bedroom Fair Market Rent in Kay County increased by 2.9% from FY 2025 to FY 2026, going from $694 to $714.
Which jobs can afford rent in Kay County? ▼
Based on Oklahoma BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $714/mo. 13 of 15 common occupations are affordable here.
How much has rent changed in Kay County over time? ▼
The 1-bedroom Fair Market Rent in Kay County went from $521 in FY 2020 to $714 in FY 2026, a total change of +37.0% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Kay County? ▼
In Kay County, the FY 2026 FMR of $714/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 Kay County? ▼
For Kay County, it's the specific 40th-percentile rent HUD publishes each year ($714/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.