Fair Market Rents: McCracken County, KY (FY2026)
HUD's FY2026 Fair Market Rents for McCracken County set the ceiling for what Housing Choice Vouchers pay locally. FMR equals the estimated 40th-percentile gross rent — shelter plus utilities — for modest, non-luxury units.
| Unit size | FY2026 FMR | KY median* |
|---|---|---|
| Studio (0-BR) | $729/mo | $662 (+10%) |
| 1 Bedroom | $851/mo | $759 (+12%) |
| 2 Bedrooms | $1,058/mo | $904 (+17%) |
| 3 Bedrooms | $1,269/mo | $1,204 (+5%) |
| 4+ Bedrooms | $1,775/mo | $1,341 (+32%) |
*Median across all FMR-publishing counties in KY. Source: HUD FY2026 FMR schedule.
Using FMR as a voucher holder in McCracken County
- Your housing authority sets payment standards per bedroom, typically 90–110% of these figures. How payment standards work →
- You may rent above the standard by paying the difference, subject to a 40%-of-income cap at lease-up.
- In high-cost pockets, ask about exception standards or Small Area FMRs by ZIP code.
Subsidized housing in McCracken County
We track 17 assisted properties countywide:
| City | Properties | Assisted units |
|---|---|---|
| Paducah | 17 | 1,710 |