40160
ZIPSAFMR
Hardin County, KY
BRFMR
Eff. Rent
0 BR$780$780
1 BR$790$790
2 BR$980$980
3 BR$1,360$1,360
4 BR$1,640$1,640
5 BR$1,886
6 BR$2,169
7 BR$2,494
8 BR$2,868

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
0.85ratio
FMR$780
Market$920
vs market-$140

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.85
1 BR
1 BR
0.87ratio
FMR$790
Market$910
vs market-$120

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.87
2 BR
2 BR
0.92ratio
FMR$980
Market$1,060
vs market-$80

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.92
3 BR
3 BR
0.84ratio
FMR$1,360
Market$1,620
vs market-$260

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.84
4 BR
4 BR
0.84ratio
FMR$1,640
Market$1,960
vs market-$320

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.84
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$83,711
Rent
$980
Down payment
$16,742
Loan
$66,969
Mortgage
$423
Expenses
$357
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 40160 (KY) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.