FY2026 Fair Market Rents — Cumberland County
Studio
$619
1BR
$701
2BR
$866
3BR
$1,204
4BR
$1,209
Cumberland County, Kentucky
FIPS 21057 · County-level FMR and income limit data
FMR Area: Cumberland County, KY
FY2026 Fair Market Rents
| Bedroom Size | Monthly FMR | Annual Equivalent |
|---|---|---|
| Efficiency (Studio) | $619 | $7,428 |
| 1-Bedroom | $701 | $8,412 |
| 2-Bedroom | $866 | $10,392 |
| 3-Bedroom | $1,204 | $14,448 |
| 4-Bedroom | $1,209 | $14,508 |
To afford the FY2026 2-bedroom FMR of $866/mo under the 30%-of-income rule, a household needs about
$34,640/yr ($2,887/mo). Area Median Income is $65,000.
At KY's federal minimum wage of $7.25/hr, a worker would need to work 92 hours/week to afford that rent.
Recent FMR Trend
| Fiscal Year | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| FY2026 | $619 | $701 | $866 | $1,204 | $1,209 |
| FY2025 | $624 | $674 | $867 | $1,191 | $1,194 |
| FY2024 | $576 | $647 | $850 | $1,095 | $1,156 |
| FY2023 | $496 | $564 | $742 | $921 | $999 |
| FY2022 | $448 | $523 | $674 | $833 | $914 |
| FY2021 | $437 | $515 | $663 | $825 | $901 |
| FY2020 | $429 | $495 | $631 | $786 | $856 |
FY2026 Income Limits
Area Median Income: $65,000
| Income Level | 1p | 2p | 3p | 4p | 5p | 6p |
|---|---|---|---|---|---|---|
| 30% AMI | $15,960 | $21,640 | $27,320 | $33,000 | $38,680 | $41,750 |
| 50% AMI | $25,200 | $28,800 | $32,400 | $35,950 | $38,850 | $41,750 |
| 80% AMI | $40,250 | $46,000 | $51,750 | $57,500 | $62,100 | $66,700 |