What is the Fair Market Rent for a 2-bedroom in Cotton County, OK HUD Metro FMR Area?

The HUD Fair Market Rent for a 2-bedroom unit in Cotton County, OK HUD Metro FMR Area is $962 per month for fiscal year 2026. The studio FMR is $728, 1-bedroom is $733, 3-bedroom is $1,153, and 4-bedroom is $1,614.

What income do you need to afford the FMR in Cotton County, OK HUD Metro FMR Area?

Using the standard 30%-of-income affordability rule, a household would need to earn about $38,480 per year ($3,207 per month) to afford the FY2026 2-bedroom Fair Market Rent of $962 in Cotton County, OK HUD Metro FMR Area.

FY2026 Fair Market Rents — Cotton County, OK HUD Metro FMR Area

The HUD-published Fair Market Rents for FY2026 in this area are:

Studio

$728

1BR

$733

2BR

$962

3BR

$1,153

4BR

$1,614

Hours/week at min wage

103 hrs

to afford the 2BR FMR @ $7.25/hr (federal)

National rank

#594

of 661 U.S. metros (top 91% most expensive)

YoY change (2BR)

+5.7%

+$52 vs FY2025 · 5-yr +32.1%

Voucher payment standard

$866–$1,058

PHAs set HCV payment at 90–110% of the 2BR FMR

Cotton County, OK HUD Metro FMR Area

Metropolitan area · OK · View full history · Income limits · LIHTC rents

FY2026 Fair Market Rents

Bedroom Size	Monthly FMR	Annual Equivalent
Efficiency (Studio)	$728	$8,736
1-Bedroom	$733	$8,796
2-Bedroom	$962	$11,544
3-Bedroom	$1,153	$13,836
4-Bedroom	$1,614	$19,368

Recent 2-Bedroom FMR Trend

FY2020 $686 → FY2026 $962

Fiscal Year	Studio	1BR	2BR	3BR	4BR
FY2026	$728	$733	$962	$1,153	$1,614
FY2025	$706	$711	$910	$1,096	$1,206
FY2024	$690	$694	$891	$1,077	$1,187
FY2023	$612	$616	$797	$1,043	$1,071
FY2022	$567	$571	$740	$996	$1,004
FY2021	$548	$562	$728	$984	$1,001
FY2020	$511	$603	$686	$953	$1,112

View full FMR history back to FY2000 →

FY2026 Income Limits

Area Median Income (AMI): $84,500

AMI Level	1p	2p	3p	4p	5p	6p
30% AMI (Extremely Low)	$17,750	$21,640	$27,320	$33,000	$38,680	$44,360
50% AMI (Very Low)	$29,600	$33,800	$38,050	$42,250	$45,650	$49,050
80% AMI (Low)	$47,350	$54,100	$60,850	$67,600	$73,050	$78,450

Full income limits table (all 8 household sizes) →

Affordability Snapshot

2BR Annual FMR

$11,544/yr

FMR as % of Area Median Income

13.7% of AMI

Under 30% — affordable at median income

Income Needed (30% rule, 2BR)

$38,480/yr

$3,207/mo gross income

FY2026 LIHTC Maximum Rents

Maximum gross rents for Low-Income Housing Tax Credit units, by income band. Full LIHTC details →

AMI Band	Studio	1BR	2BR	3BR	4BR
50% AMI Maximum	$739	$845	$950	$1,140	$1,225
60% AMI Maximum	$887	$1,014	$1,140	$1,368	$1,470

FY2026 HOME Program Rent Limits

Maximum rents for HOME Investment Partnerships–funded units. High HOME rents apply to most assisted units; Low HOME rents apply to the lowest-income set-aside units. Full HOME rent details →

Limit Type	Studio	1BR	2BR	3BR	4BR
High HOME Rent	$728	$733	$962	$1,153	$1,373
Low HOME Rent	$740	$845	$951	$1,056	$1,141

Compare Cotton County, OK HUD Metro FMR Area With Other OK Metros

vs. Enid, OK MSA vs. Grady County, OK HUD Metro FMR Area vs. Lawton, OK HUD Metro FMR Area vs. Le Flore County, OK HUD Metro FMR Area vs. Lincoln County, OK HUD Metro FMR Area

Counties in This FMR Area

Cotton County