Shelby County
FY 2026 HUD Fair Market Rents in Kentucky. Population: 48,105.
Fair Market Rents (2026)
Studio
National avg: $893
$954/mo
↑ 2.7% YoY
+7% vs US
1 Bedroom
National avg: $959
$1,027/mo
↓ 0.5% YoY
+7% vs US
2 Bedroom
National avg: $1,175
$1,143/mo
↓ 0.5% YoY
-3% vs US
3 Bedroom
National avg: $1,525
$1,417/mo
↓ 2.1% YoY
-7% vs US
4 Bedroom
National avg: $1,756
$1,697/mo
↑ 3.3% YoY
-3% vs US
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $929 | $954 | +$25 (+2.7%) |
| 1 Bedroom | $1,032 | $1,027 | $-5 (-0.5%) |
| 2 Bedroom | $1,149 | $1,143 | $-6 (-0.5%) |
| 3 Bedroom | $1,448 | $1,417 | $-31 (-2.1%) |
| 4 Bedroom | $1,643 | $1,697 | +$54 (+3.3%) |
Affordability Snapshot
Based on the standard that rent should not exceed 30% of gross income:
Required annual income for 1 BR
$41,080
$3,423/month gross
Required annual income for 2 BR
$45,720
$3,810/month gross
Other Counties in Kentucky
Campbell County
1 BR: $1,051/mo
Garrard County
1 BR: $821/mo
Fulton County
1 BR: $660/mo
Breathitt County
1 BR: $714/mo
Menifee County
1 BR: $683/mo
Butler County
1 BR: $660/mo
Data source: U.S. Department of Housing and Urban Development, FY 2026 Fair Market Rents. Fair Market Rents represent the 40th percentile of gross rents for standard quality units in each area.