FY2027 Small Area FMR · Wallins Creek, KY

ZIP 40873 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 40873 (Wallins Creek, KY) is $1,100 a month, up 7.8% from FY2026. That is 21% above the Harlan County, KY area-wide FMR of $909.

2-bedroom SAFMR$1,100per month ▲ 7.8%

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

Rank in the area4thof 29 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$990

2 BR Small Area FMR$1,100

110% of SAFMR$1,210

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

Studio$840▲ 2.4%

1 BR$910▲ 11.0%

2 BR$1,100▲ 7.8%

3 BR$1,440▲ 6.7%

4 BR$1,450▲ 7.4%

FY2027 FY2026

Where 40873 sits in the Harlan County, KY area

Of the 29 ZIP codes HUD lists for the area, 40873 has the 4th 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 $1,100 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	$840	$756 – $924	$691	$820
1 bedroom	$910	$819 – $1,001	$749	$820
2 bedrooms	$1,100	$990 – $1,210	$909	$1,020
3 bedrooms	$1,440	$1,296 – $1,584	$1,190	$1,350
4 bedrooms	$1,450	$1,305 – $1,595	$1,195	$1,350

A household renting a two-bedroom home at the Small Area FMR of $1,100 needs about $44,000 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 40873 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
40824	Dayhoit	1.9 mi	$910
40819	Coldiron	2.9 mi	$910
40854	Loyall	3.6 mi	$910
40831	Harlan	4.7 mi	$910
40840	Helton	5.9 mi	$910
40830	Gulston	6.0 mi	$910

Questions

What is the Fair Market Rent for ZIP code 40873?

HUD's FY2027 Small Area Fair Market Rents for 40873 are $840 (studio), $910 (1 BR), $1,100 (2 BR), $1,440 (3 BR) and $1,450 (4 BR) a month.

What is the Section 8 payment standard in 40873?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 40873 that range is $990 to $1,210 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 40873?

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.