County FMR · HUD FY2026

Owsley County Fair Market Rent

HUD's FY2026 Fair Market Rent for Owsley County, KY - 29% below the US average.

$683
1-bedroom FMR
$866
2-bedroom FMR
+0.9%
YoY change
-29%
vs US avg

The verdict

Owsley is the 47th cheapest of 120 counties in Kentucky by 2-bedroom FMR; nationally it ranks #95 most affordable of 3,145 HUD counties.

#95
most affordable of 3,145 US counties (2BR)
#47
cheapest of 120 in Kentucky (2BR)
-14%
vs the state average
$27,320
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (7.7%), while Fast Food and Counter Workers spend the most (30.2%); 14 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 Owsley County, KY. Verify with HUD →

HUD sets the FY 2026 1-bedroom Fair Market Rent for Owsley County, Kentucky at $683 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $866/mo and a studio is $619/mo. This is 29% lower than the national average of $959 and 14% below the Kentucky average of $794.

Rent increased0.9% from FY 2025 ($677), roughly tracking inflation. The 30% affordability floor is comparatively reachable here at $27,320/year.

Observed renter burden: 22.8% of the 478 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.

FY 2026 HUD Fair Market Rents in Kentucky. Population: 4,054. 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 Kentucky's statewide growth of +1.6% over the same period.

FMR filing desk

Area OWSLEY·COUNTY·KY·KY

Owsley County, KY: $683/mo 1BR · #95 of 3145 counties (2BR) · FY2026

  • FMR-AREA KY
  • 1BR-FMR $683
  • 2BR-FMR $866
  • RANK-LOW #95
  • YOY-FLAT +0.9%
  • VSUS-LOW -29%
  • VS-ST-LOW -14% KY
  • INC-MID 26%
  • POP-SMALL 4K
  • PHOTO-NEAR Jefferson County
  • VOUCH-90-110 $615–$751
  • FY-2026 FY2026

Photo-finish peer: Jefferson ($364 1BR gap)

Read with: Section 8 housing guide

Fair Market Rents (2026)

Studio
State avg: $719 · US avg: $893
$619/mo
↓ 0.8% YoY -14% vs state -31% vs US
1 Bedroom
State avg: $794 · US avg: $959
$683/mo
↑ 0.9% YoY -14% vs state -29% vs US
2 Bedroom
State avg: $984 · US avg: $1,175
$866/mo
↓ 0.1% YoY -12% vs state -26% vs US
3 Bedroom
State avg: $1,277 · US avg: $1,525
$1,115/mo
↓ 3.4% YoY -13% vs state -27% vs US
4 Bedroom
State avg: $1,442 · US avg: $1,756
$1,209/mo
↑ 1.3% YoY -16% vs state -31% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $624
$619
$-5 (-0.8%)
1 Bedroom $677
$683
+$6 (+0.9%)
2 Bedroom $867
$866
$-1 (-0.1%)
3 Bedroom $1,154
$1,115
$-39 (-3.4%)
4 Bedroom $1,194
$1,209
+$15 (+1.3%)

Rent Burden Analysis

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

Studio
23.9%
Affordable
Need $24,760/yr for 30% rule
1 Bedroom
26.4%
Affordable
Need $27,320/yr for 30% rule
2 Bedroom
33.5%
Burdened
Need $34,640/yr for 30% rule
3 Bedroom
43.1%
Burdened
Need $44,600/yr for 30% rule
4 Bedroom
46.7%
Burdened
Need $48,360/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%33.5%
Owsley County 2-bedroom rent burden
County median income: $31,064 · National avg burden: 21.7% ·View Kentucky rent burden →

Where Owsley sits among every US county

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

$866 higher than 3% 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 Owsley compares on 1-bedroom rent

1-bedroom FMR vs other Kentucky counties

1BR FMR / mo

What this shows Owsley is highlighted. Nearby Kentucky counties by 1-bedroom FMR, highest to lowest: Fayette County ($1,079), Kenton County ($1,051), Boone County ($1,051), Jefferson County ($1,047), Warren County ($985), Hardin County ($846), Owsley County (this county) ($683).

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 $683/mo, most of these Kentucky occupations clear, or miss, the 30% affordability line.

Occupation KY Salary Rent Burden Verdict
Software Developers $106,200 7.7% Affordable
Registered Nurses $79,910 10.3% Affordable
General & Operations Managers $77,150 10.6% Affordable
Accountants & Auditors $72,220 11.3% Affordable
Police & Sheriff's Patrol Officers $60,230 13.6% Affordable
Electricians $59,490 13.8% Affordable
Elementary School Teachers $57,980 14.1% Affordable
Heavy & Tractor-Trailer Truck Drivers $55,590 14.7% Affordable
Paralegals & Legal Assistants $49,000 16.7% Affordable
Pharmacy Technicians $37,630 21.8% Affordable
Customer Service Representatives $37,580 21.8% Affordable
Janitors & Cleaners $30,470 26.9% Affordable
Retail Salespersons $29,450 27.8% Affordable
Teaching Assistants $29,220 28% Affordable
Fast Food & Counter Workers $27,170 30.2% Stretched
Salaries: BLS OES (Kentucky) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Owsley (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 38.0% overall, from $495 to $683. Most of that movement was gradual except for a single sharp jump of +14.9% in FY 2024, well above this county's typical year-to-year change.

$450$500$550$600$650$700 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $683
Owsley County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑0.9% $619 $683 $866
FY 2025 ↑2.1% $624 $677 $867
FY 2024 ↑14.9% $616 $663 $850
FY 2023 ↑10.3% $538 $577 $742
FY 2022 ↑1.6% $482 $523 $674
FY 2021 ↑4.0% $475 $515 $663
FY 2020 $448 $495 $631
Total change (6yr): +38.0%
Annualized: +5.5%/yr
1 BR: $495 → $683

Where Owsley County Ranks in Kentucky

Owsley 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 #47 of 120 counties in Kentucky. Nearest by rank: Menifee County ($866), Mercer County ($866), Metcalfe County ($866), Monroe County ($866), Morgan County ($866), Muhlenberg County ($866), Nicholas County ($866), Ohio County ($866), Owsley County (this county) ($866), Powell County ($866), Robertson County ($866), Rockcastle County ($866), Russell County ($866), Taylor County ($866), Wayne County ($866), Webster County ($866), Whitley County ($866).

Menifee County
2 BR: $866/mo
Mercer County
2 BR: $866/mo
Metcalfe County
2 BR: $866/mo
Monroe County
2 BR: $866/mo
Morgan County
2 BR: $866/mo
Muhlenberg County
2 BR: $866/mo
Nicholas County
2 BR: $866/mo
Ohio County
2 BR: $866/mo
Owsley County (this county)
2 BR: $866/mo
Powell County
2 BR: $866/mo
Robertson County
2 BR: $866/mo
Rockcastle County
2 BR: $866/mo
Russell County
2 BR: $866/mo
Taylor County
2 BR: $866/mo
Wayne County
2 BR: $866/mo
Webster County
2 BR: $866/mo
Whitley County
2 BR: $866/mo

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Owsley County, both outside Kentucky 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 KY (FY2026).

Iberville Parish
LA · 2 BR $866/mo
Clarke County
MS · 2 BR $867/mo
Cleburne County
AL · 2 BR $867/mo
Logan County
WV · 2 BR $869/mo

Similar rent burden

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

New York County
NY · 33.4% of income · 2 BR $2,910/mo
Stewart County
GA · 33.4% of income · 2 BR $973/mo
Palm Beach County
FL · 33.3% of income · 2 BR $2,254/mo
Gates County
NC · 33.3% of income · 2 BR $1,709/mo

Nearby Counties in Kentucky

Largest counties by population in Kentucky

Showing the 8 largest of 119 other counties in Kentucky.

Jefferson County
1 BR: $1,047/mo Pop: 779,232
Fayette County
1 BR: $1,079/mo Pop: 321,276
Kenton County
1 BR: $1,051/mo Pop: 169,066
Boone County
1 BR: $1,051/mo Pop: 136,150
Warren County
1 BR: $985/mo Pop: 135,307
Hardin County
1 BR: $846/mo Pop: 111,005
Daviess County
1 BR: $846/mo Pop: 102,916
Campbell County
1 BR: $1,051/mo Pop: 93,122
View all counties in Kentucky →

Frequently Asked Questions

What is the average rent in Owsley County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Owsley County is $683 per month. A 2-bedroom is $866 and a studio is $619.
How does Owsley County rent compare to the national average? ▼
Rent in Owsley County is 29% below the national average. A 1-bedroom here costs $683 compared to $959 nationally.
Where does Owsley County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Owsley County's 2-bedroom FMR of $866 ranks #95 most affordable among 3,145 HUD counties, placing it in the lowest-rent tenth of HUD counties.
What income do I need to afford rent in Owsley County? ▼
Based on the 30% affordability rule, you need an annual income of at least $27,320 ($2,277/month) to afford a 1-bedroom at Fair Market Rent in Owsley County.
Is rent going up or down in Owsley County? ▼
The 1-bedroom Fair Market Rent in Owsley County increased by 0.9% from FY 2025 to FY 2026, going from $677 to $683.
Which jobs can afford rent in Owsley County? ▼
Based on Kentucky BLS salary data and the 30% affordability rule, jobs like Software Developers, Registered Nurses, General and Operations Managers can afford a 1-bedroom at $683/mo. 14 of 15 common occupations are affordable here.
How much has rent changed in Owsley County over time? ▼
The 1-bedroom Fair Market Rent in Owsley County went from $495 in FY 2020 to $683 in FY 2026, a total change of +38.0% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Owsley County? ▼
In Owsley County, the FY 2026 FMR of $683/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 Owsley County? ▼
For Owsley County, it's the specific 40th-percentile rent HUD publishes each year ($683/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.