Income Limits by County

HUD Metro FMR Area · 2 counties

Owensboro, KY Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Owensboro, KY area at $1,138 a month, up 2.5% from FY2026. The FY2026 median family income is $92,100. The same figures apply in all 2 counties of the area.

2-bedroom FMR$1,138per month ▲ 2.5%
Median family income$92,100FY2026
People in the area112,762HUD 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 Owensboro, KY.

Low income (80% limit)

A household of 4 earning $71,700 is under the 80% limit of $73,700 for this area. At 30% of income it could pay about $1,792 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$19,400$32,250$38,700$51,600
2$22,150$36,850$44,220$59,000
3$27,320$41,450$49,740$66,350
4$33,000$46,050$55,260$73,700
5$38,680$49,750$59,700$79,600
6$44,360$53,450$64,140$85,500
7$50,040$57,150$68,580$91,400
8$55,720$60,800$72,960$97,300

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600200520102015202020252027$1,138FY2001: $415FY2002: $427FY2003: $438FY2004: $439FY2005: $504FY2006: $513FY2007: $534FY2008: $588FY2009: $604FY2010: $607FY2011: $606FY2012: $609FY2013: $643FY2014: $626FY2015: $672FY2016: $663FY2017: $683FY2018: $713FY2019: $746FY2020: $787FY2021: $821FY2022: $843FY2023: $926FY2024: $1,091FY2025: $1,128FY2026: $1,110FY2027: $1,138

Counties in the area

CountyPeople2 BR FMR
Daviess County, KY103,648$1,138
McLean County, KY9,114$1,138

Small Area FMRs across 18 ZIP codes

Two-bedroom Small Area FMRs in the Owensboro, KY area run from $1,000 to $1,230; the middle ZIP code is at $1,000, against the area-wide FMR of $1,138. This is not a mandatory Small Area FMR area; agencies may opt in.

$1,000$1,230median $1,000

Highest ZIP codes

42303 (Owensboro, KY)$1,230
42301 (Owensboro, KY)$1,190
42356 (Maple Mount, KY)$1,190
42302 (Owensboro, KY)$1,150
42304 (Owensboro, KY)$1,150
42350 (Island, KY)$1,140
42366 (Philpot, KY)$1,120
42376 (Utica, KY)$1,040

Lowest ZIP codes

42378 (Whitesville, KY)$1,000
42372 (Sacramento, KY)$1,000
42371 (Rumsey, KY)$1,000
42355 (Maceo, KY)$1,000
42352 (Livermore, KY)$1,000
42351 (Lewisport, KY)$1,000
42348 (Hawesville, KY)$1,000
42330 (Central City, KY)$1,000

Questions

What is the Fair Market Rent in the Owensboro, KY area?

HUD's FY2027 Fair Market Rents for the Owensboro, KY area are $864 (studio), $870 (1 BR), $1,138 (2 BR), $1,507 (3 BR) and $1,516 (4 BR) a month.

What is the area median income for Owensboro, KY?

The FY2026 median family income is $92,100; the 80% low-income limit for four people is $73,700.

Which counties are in this HUD metro area?

Daviess County, KY and McLean County, KY.