County FMR · HUD FY2026

Payne County Fair Market Rent

HUD's FY2026 Fair Market Rent for Payne County, OK - 12% below the US average.

$847
1-bedroom FMR
$1,035
2-bedroom FMR
+3.0%
YoY change
-12%
vs US avg

The verdict

Payne is the 17th most expensive of 77 counties in Oklahoma by 2-bedroom FMR; nationally it ranks #1,541 most expensive of 3,145 HUD counties.

#1,541
most expensive of 3,145 US counties (2BR)
#17
most expensive of 77 in Oklahoma (2BR)
+7%
vs the state average
$33,880
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (9.5%), while Fast Food and Counter Workers spend the most (43.1%).

FY 2026 HUD Fair Market Rent for Payne County, OK. Verify with HUD →

Payne County, Oklahoma carries an FY 2026 1-bedroom Fair Market Rent of $847 per month, the federal benchmark HUD publishes for this county. A 2-bedroom costs $1,035/mo and a studio is $784/mo. That's 12% below the national benchmark of $959 and 7% above the Oklahoma average of $791.

Rent increased3.0% from FY 2025 ($822), outpacing inflation. Under the 30% rule, affordability starts near $33,880/year for a 1-bedroom.

FY 2026 HUD Fair Market Rents in Oklahoma. Population: 82,058. Population has held roughly steady over the past five years (+1.0%, Census ACS). That's in line with Oklahoma's statewide growth of +2.0% over the same period.

FMR filing desk

Area PAYNE·COUNTY·OK·OK

Payne County, OK: $847/mo 1BR · #1541 of 3145 counties (2BR) · FY2026

  • FMR-AREA OK
  • 1BR-FMR $847
  • 2BR-FMR $1,035
  • RANK-MID #1,541
  • YOY-UP +3.0%
  • VSUS-BELOW -12%
  • VS-ST-NEAR +7% OK
  • INC-MID 21%
  • POP-MID 82K
  • PHOTO-NEAR Oklahoma County
  • VOUCH-90-110 $762–$932
  • FY-2026 FY2026

Photo-finish peer: Oklahoma ($170 1BR gap)

Read with: How Fair Market Rent works

Fair Market Rents (2026)

Studio
State avg: $744 · US avg: $893
$784/mo
↑ 2.2% YoY +5% vs state -12% vs US
1 Bedroom
State avg: $791 · US avg: $959
$847/mo
↑ 3.0% YoY +7% vs state -12% vs US
2 Bedroom
State avg: $995 · US avg: $1,175
$1,035/mo
↑ 2.1% YoY +4% vs state -12% vs US
3 Bedroom
State avg: $1,297 · US avg: $1,525
$1,439/mo
↑ 1.3% YoY +11% vs state -6% vs US
4 Bedroom
State avg: $1,501 · US avg: $1,756
$1,568/mo
↑ 2.7% YoY +4% vs state -11% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $767
$784
+$17 (+2.2%)
1 Bedroom $822
$847
+$25 (+3.0%)
2 Bedroom $1,014
$1,035
+$21 (+2.1%)
3 Bedroom $1,421
$1,439
+$18 (+1.3%)
4 Bedroom $1,527
$1,568
+$41 (+2.7%)

Rent Burden Analysis

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

Studio
19.2%
Affordable
Need $31,360/yr for 30% rule
1 Bedroom
20.8%
Affordable
Need $33,880/yr for 30% rule
2 Bedroom
25.4%
Affordable
Need $41,400/yr for 30% rule
3 Bedroom
35.3%
Burdened
Need $57,560/yr for 30% rule
4 Bedroom
38.4%
Burdened
Need $62,720/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%25.4%
Payne County 2-bedroom rent burden
County median income: $48,937 · National avg burden: 21.7% ·View Oklahoma rent burden →

Where Payne sits among every US county

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

$1,035 higher than 51% of 3,145 counties

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

1-bedroom FMR vs other Oklahoma counties

1BR FMR / mo

What this shows Payne 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), Payne County (this county) ($847), Comanche County ($784).

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

How a 1-bedroom at $847/mo compares to Oklahoma salaries for popular occupations (BLS wage data, 30%-of-income rule).

Occupation OK Salary Rent Burden Verdict
Software Developers $107,420 9.5% Affordable
Registered Nurses $81,160 12.5% Affordable
General & Operations Managers $80,620 12.6% Affordable
Accountants & Auditors $76,820 13.2% Affordable
Electricians $60,050 16.9% Affordable
Police & Sheriff's Patrol Officers $57,360 17.7% Affordable
Heavy & Tractor-Trailer Truck Drivers $51,920 19.6% Affordable
Paralegals & Legal Assistants $50,200 20.2% Affordable
Elementary School Teachers $47,470 21.4% Affordable
Pharmacy Technicians $38,200 26.6% Affordable
Customer Service Representatives $37,570 27.1% Affordable
Janitors & Cleaners $30,590 33.2% Stretched
Retail Salespersons $29,580 34.4% Stretched
Teaching Assistants $26,830 37.9% Stretched
Fast Food & Counter Workers $23,590 43.1% Stretched
Salaries: BLS OES (Oklahoma) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Payne (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 31.5% overall, from $644 to $847. The increases have been fairly steady year to year, with no single jump exceeding 7.5% (FY 2024).

$600$650$700$750$800$850$900 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $847
Payne County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑3.0% $784 $847 $1,035
FY 2025 ↑2.4% $767 $822 $1,014
FY 2024 ↑7.5% $744 $803 $976
FY 2023 ↑3.6% $698 $747 $897
FY 2022 ↑4.8% $682 $721 $856
FY 2021 ↑6.8% $668 $688 $825
FY 2020 $640 $644 $784
Total change (6yr): +31.5%
Annualized: +4.7%/yr
1 BR: $644 → $847

Part of the Stillwater, OK Micro Area

Payne County is a central county of the Stillwater, OK micropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Payne 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).

Cambria County
PA · 2 BR $1,035/mo
Bureau County
IL · 2 BR $1,035/mo
Kanawha County
WV · 2 BR $1,036/mo
Monroe County
WI · 2 BR $1,036/mo

Similar rent burden

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

Edmonson County
KY · 25.4% of income · 2 BR $1,153/mo
Yuba County
CA · 25.4% of income · 2 BR $1,550/mo
Monroe County
NY · 25.4% of income · 2 BR $1,573/mo
Bee County
TX · 25.4% of income · 2 BR $1,185/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
Pottawatomie County
1 BR: $714/mo Pop: 72,734
View all counties in Oklahoma →

Frequently Asked Questions

What is the average rent in Payne County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Payne County is $847 per month. A 2-bedroom is $1,035 and a studio is $784.
How does Payne County rent compare to the national average? ▼
Rent in Payne County is 12% below the national average. A 1-bedroom here costs $847 compared to $959 nationally.
Where does Payne County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Payne County's 2-bedroom FMR of $1,035 ranks #1,541 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 Payne County? ▼
Based on the 30% affordability rule, you need an annual income of at least $33,880 ($2,823/month) to afford a 1-bedroom at Fair Market Rent in Payne County.
Is rent going up or down in Payne County? ▼
The 1-bedroom Fair Market Rent in Payne County increased by 3.0% from FY 2025 to FY 2026, going from $822 to $847.
Which jobs can afford rent in Payne 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 $847/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Payne County over time? ▼
The 1-bedroom Fair Market Rent in Payne County went from $644 in FY 2020 to $847 in FY 2026, a total change of +31.5% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Payne County? ▼
In Payne County, the FY 2026 FMR of $847/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 Payne County? ▼
For Payne County, it's the specific 40th-percentile rent HUD publishes each year ($847/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.