FY2027 Small Area FMR · Cranks, KY

ZIP 40820 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 40820 (Cranks, KY) is $990 a month, up 4.2% from FY2026. That is 9% above the Harlan County, KY area-wide FMR of $909.

2-bedroom SAFMR$990per month ▲ 4.2%

Area-wide 2 BR FMR$909Harlan County, KY

Rank in the area7thof 29 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$891

2 BR Small Area FMR$990

110% of SAFMR$1,089

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$760▲ 4.1%

1 BR$780▲ 5.4%

2 BR$990▲ 4.2%

3 BR$1,340▲ 5.5%

4 BR$1,360▼ 4.2%

FY2027 FY2026

Where 40820 sits in the Harlan County, KY area

Of the 29 ZIP codes HUD lists for the area, 40820 has the 7th 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 $990 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$760	$684 – $836	$691	$730
1 bedroom	$780	$702 – $858	$749	$740
2 bedrooms	$990	$891 – $1,089	$909	$950
3 bedrooms	$1,340	$1,206 – $1,474	$1,190	$1,270
4 bedrooms	$1,360	$1,224 – $1,496	$1,195	$1,420

A household renting a two-bedroom home at the Small Area FMR of $990 needs about $39,600 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 40820 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

ZIP	Place	Distance	2 BR SAFMR
40815	Cawood	3.3 mi	$910
24263	Jonesville	5.8 mi	$940
40818	Coalgood	6.2 mi	$1,060
40847	Kenvir	7.1 mi	$1,160
40964	Mary Alice	7.5 mi	$910
40829	Grays Knob	7.5 mi	$910

Questions

What is the Fair Market Rent for ZIP code 40820?

HUD's FY2027 Small Area Fair Market Rents for 40820 are $760 (studio), $780 (1 BR), $990 (2 BR), $1,340 (3 BR) and $1,360 (4 BR) a month.

What is the Section 8 payment standard in 40820?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 40820 that range is $891 to $1,089 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 40820?

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.