Income Limits by County

HUD Metro FMR Area · 8 counties

Louisville, KY-IN Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Louisville, KY-IN area at $1,276 a month, up 0.3% from FY2026. The FY2026 median family income is $99,000. The same figures apply in all 8 counties of the area.

2-bedroom FMR$1,276per month ▲ 0.3%
Median family income$99,000FY2026
People in the area1,217,486HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Louisville, KY-IN.

Low income (80% limit)

A household of 4 earning $77,200 is under the 80% limit of $79,200 for this area. At 30% of income it could pay about $1,930 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$20,800$34,650$41,580$55,450
2$23,800$39,600$47,520$63,400
3$27,320$44,550$53,460$71,300
4$33,000$49,500$59,400$79,200
5$38,680$53,500$64,200$85,550
6$44,360$57,450$68,940$91,900
7$50,040$61,400$73,680$98,250
8$55,720$65,350$78,420$104,550

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600200520102015202020252027$1,276FY2001: $510FY2002: $565FY2003: $581FY2004: $583FY2005: $553FY2006: $563FY2007: $584FY2008: $663FY2009: $680FY2010: $684FY2011: $694FY2012: $698FY2013: $731FY2014: $705FY2015: $737FY2016: $817FY2017: $793FY2018: $821FY2019: $853FY2020: $872FY2021: $918FY2022: $960FY2023: $1,052FY2024: $1,301FY2025: $1,330FY2026: $1,272FY2027: $1,276

Counties in the area

CountyPeople2 BR FMR
Jefferson County, KY783,022$1,276
Clark County, IN124,354$1,276
Bullitt County, KY84,027$1,276
Floyd County, IN80,918$1,276
Oldham County, KY69,257$1,276
Harrison County, IN39,859$1,276
Spencer County, KY20,193$1,276
Henry County, KY15,856$1,276

Small Area FMRs across 130 ZIP codes

Two-bedroom Small Area FMRs in the Louisville, KY-IN area run from $1,010 to $1,910; the middle ZIP code is at $1,250, against the area-wide FMR of $1,276. This is a mandatory Small Area FMR area (designated 2023, in force since 1/1/2025): voucher payment standards follow the ZIP-code figures.

$1,010$1,910median $1,250

Highest ZIP codes

40059 (Prospect, KY)$1,910
47143 (Memphis, IN)$1,910
40245 (Louisville, KY)$1,820
40223 (Louisville, KY)$1,660
40241 (Louisville, KY)$1,640
40026 (Goshen, KY)$1,620
40228 (Louisville, KY)$1,580
40056 (Pewee Valley, KY)$1,560

Lowest ZIP codes

47164 (Palmyra, IN)$1,010
47126 (Henryville, IN)$1,010
47117 (Elizabeth, IN)$1,010
47115 (Depauw, IN)$1,010
40075 (Turners Station, KY)$1,010
40058 (Port Royal, KY)$1,010
40050 (New Castle, KY)$1,010
40019 (Eminence, KY)$1,010

Questions

What is the Fair Market Rent in the Louisville, KY-IN area?

HUD's FY2027 Fair Market Rents for the Louisville, KY-IN area are $976 (studio), $1,058 (1 BR), $1,276 (2 BR), $1,629 (3 BR) and $1,874 (4 BR) a month.

What is the area median income for Louisville, KY-IN?

The FY2026 median family income is $99,000; the 80% low-income limit for four people is $79,200.

Which counties are in this HUD metro area?

Jefferson County, KY, Clark County, IN, Bullitt County, KY, Floyd County, IN, Oldham County, KY, Harrison County, IN, Spencer County, KY and Henry County, KY.