FY2027 Small Area FMR · Coalgood, KY
ZIP 40818 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 40818 (Coalgood, KY) is $1,060 a month, up 6.0% from FY2026. That is 17% above the Harlan County, KY area-wide FMR of $909.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 40818 sits in the Harlan County, KY area
Of the 29 ZIP codes HUD lists for the area, 40818 has the 6th highest two-bedroom Small Area FMR. Harlan County, KY is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $909 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,060 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $800 | $720 – $880 | $691 | $790 |
| 1 bedroom | $870 | $783 – $957 | $749 | $800 |
| 2 bedrooms | $1,060 | $954 – $1,166 | $909 | $1,000 |
| 3 bedrooms | $1,380 | $1,242 – $1,518 | $1,190 | $1,310 |
| 4 bedrooms | $1,380 | $1,242 – $1,518 | $1,195 | $1,320 |
A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 a year to keep housing costs at 30% of income. The area median family income is $56,000 and the 80% low-income limit for four people is $57,500. ZIP code 40818 lies mainly in Harlan County. See the Harlan County, KY county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 40818?
HUD's FY2027 Small Area Fair Market Rents for 40818 are $800 (studio), $870 (1 BR), $1,060 (2 BR), $1,380 (3 BR) and $1,380 (4 BR) a month.
What is the Section 8 payment standard in 40818?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 40818 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 40818?
The FY2026 income limits of the Harlan County, KY area apply: median family income $56,000, low-income (80%) limit $57,500 for a family of four.