County FMR · HUD FY2026

Stephens County Fair Market Rent

HUD's FY2026 Fair Market Rent for Stephens County, OK - 19% below the US average.

$779
1-bedroom FMR
$937
2-bedroom FMR
+0.8%
YoY change
-19%
vs US avg

The verdict

Stephens is the 37th most expensive 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)
#37
most expensive of 77 in Oklahoma (2BR)
-2%
vs the state average
$31,160
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (8.7%), while Fast Food and Counter Workers spend the most (39.6%).

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

HUD sets the FY 2026 1-bedroom Fair Market Rent for Stephens County, Oklahoma at $779 per month - the federal rental-assistance benchmark for this county. A 2-bedroom costs $937/mo and a studio is $775/mo. This is 19% lower than the national average of $959 and 2% below the Oklahoma average of $791.

Rent increased0.8% from FY 2025 ($773), roughly tracking inflation. The 30% affordability floor is comparatively reachable here at $31,160/year.

FY 2026 HUD Fair Market Rents in Oklahoma. Population: 43,140. Population has held roughly steady over the past five years (-1.5%, Census ACS). That's slower than Oklahoma's statewide growth of +2.0% over the same period.

FMR filing desk

Area STEPHENS·COUNTY·OK·OK

Stephens County, OK: $779/mo 1BR · #724 of 3145 counties (2BR) · FY2026

  • FMR-AREA OK
  • 1BR-FMR $779
  • 2BR-FMR $937
  • RANK-MID #724
  • YOY-FLAT +0.8%
  • VSUS-BELOW -19%
  • VS-ST-NEAR -2% OK
  • INC-ROOM 16%
  • POP-SMALL 43K
  • PHOTO-NEAR Oklahoma County
  • VOUCH-90-110 $701–$857
  • FY-2026 FY2026

Photo-finish peer: Oklahoma ($238 1BR gap)

Read with: Section 8 housing guide

Fair Market Rents (2026)

Studio
State avg: $744 · US avg: $893
$775/mo
↑ 0.9% YoY +4% vs state -13% vs US
1 Bedroom
State avg: $791 · US avg: $959
$779/mo
↑ 0.8% YoY -2% vs state -19% 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
$1,303/mo
↑ 2.2% YoY +0% vs state -15% vs US
4 Bedroom
State avg: $1,501 · US avg: $1,756
$1,509/mo
↑ 1.2% YoY +1% vs state -14% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $768
$775
+$7 (+0.9%)
1 Bedroom $773
$779
+$6 (+0.8%)
2 Bedroom $910
$937
+$27 (+3.0%)
3 Bedroom $1,275
$1,303
+$28 (+2.2%)
4 Bedroom $1,491
$1,509
+$18 (+1.2%)

Rent Burden Analysis

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

Studio
15.4%
Affordable
Need $31,000/yr for 30% rule
1 Bedroom
15.5%
Affordable
Need $31,160/yr for 30% rule
2 Bedroom
18.7%
Affordable
Need $37,480/yr for 30% rule
3 Bedroom
26%
Affordable
Need $52,120/yr for 30% rule
4 Bedroom
30.1%
Burdened
Need $60,360/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%18.7%
Stephens County 2-bedroom rent burden
County median income: $60,236 · National avg burden: 21.7% ·View Oklahoma rent burden →

Where Stephens 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 Stephens compares on 1-bedroom rent

1-bedroom FMR vs other Oklahoma counties

1BR FMR / mo

What this shows Stephens 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), Stephens County (this county) ($779).

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 $779/mo, most of these Oklahoma occupations clear, or miss, the 30% affordability line.

Occupation OK Salary Rent Burden Verdict
Software Developers $107,420 8.7% Affordable
Registered Nurses $81,160 11.5% Affordable
General & Operations Managers $80,620 11.6% Affordable
Accountants & Auditors $76,820 12.2% Affordable
Electricians $60,050 15.6% Affordable
Police & Sheriff's Patrol Officers $57,360 16.3% Affordable
Heavy & Tractor-Trailer Truck Drivers $51,920 18% Affordable
Paralegals & Legal Assistants $50,200 18.6% Affordable
Elementary School Teachers $47,470 19.7% Affordable
Pharmacy Technicians $38,200 24.5% Affordable
Customer Service Representatives $37,570 24.9% Affordable
Janitors & Cleaners $30,590 30.6% Stretched
Retail Salespersons $29,580 31.6% Stretched
Teaching Assistants $26,830 34.8% Stretched
Fast Food & Counter Workers $23,590 39.6% Stretched
Salaries: BLS OES (Oklahoma) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

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

Over the 6-year span HUD has tracked for Stephens (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 44.5% overall, from $539 to $779. 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.

$500$600$700$800 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $779
Stephens County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑0.8% $775 $779 $937
FY 2025 ↑4.6% $768 $773 $910
FY 2024 ↑14.9% $734 $739 $891
FY 2023 ↑9.4% $639 $643 $797
FY 2022 ↑1.9% $584 $588 $740
FY 2021 ↑7.1% $561 $577 $728
FY 2020 $465 $539 $686
Total change (6yr): +44.5%
Annualized: +6.3%/yr
1 BR: $539 → $779

Part of the Duncan, OK Micro Area

Stephens County is a central county of the Duncan, OK micropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Stephens 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).

Page County
VA · 18.7% of income · 2 BR $924/mo
Wayne County
IA · 18.7% of income · 2 BR $919/mo
Washington County
KY · 18.7% of income · 2 BR $929/mo
Sandusky County
OH · 18.7% of income · 2 BR $973/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 Stephens County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Stephens County is $779 per month. A 2-bedroom is $937 and a studio is $775.
How does Stephens County rent compare to the national average? ▼
Rent in Stephens County is 19% below the national average. A 1-bedroom here costs $779 compared to $959 nationally.
Where does Stephens County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Stephens 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 Stephens County? ▼
Based on the 30% affordability rule, you need an annual income of at least $31,160 ($2,597/month) to afford a 1-bedroom at Fair Market Rent in Stephens County.
Is rent going up or down in Stephens County? ▼
The 1-bedroom Fair Market Rent in Stephens County increased by 0.8% from FY 2025 to FY 2026, going from $773 to $779.
Which jobs can afford rent in Stephens 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 $779/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Stephens County over time? ▼
The 1-bedroom Fair Market Rent in Stephens County went from $539 in FY 2020 to $779 in FY 2026, a total change of +44.5% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Stephens County? ▼
In Stephens County, the FY 2026 FMR of $779/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 Stephens County? ▼
For Stephens County, it's the specific 40th-percentile rent HUD publishes each year ($779/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.