FY2027 Small Area FMR · Gays Creek, KY
ZIP 41745 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 41745 (Gays Creek, KY) is $1,010 a month, up 5.2% from FY2026. That is 11% above the Breathitt 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 41745 sits in the Breathitt County, KY area
Of the 15 ZIP codes HUD lists for the area, 41745 has the 1st highest two-bedroom Small Area FMR. Breathitt 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 $1,010 for this ZIP code instead.
ZIP code 41745 crosses more than one HUD area. HUD also lists it under Perry County, KY (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $720 | $648 – $792 | $650 | $680 |
| 1 bedroom | $770 | $693 – $847 | $703 | $730 |
| 2 bedrooms | $1,010 | $909 – $1,111 | $909 | $960 |
| 3 bedrooms | $1,210 | $1,089 – $1,331 | $1,242 | $1,150 |
| 4 bedrooms | $1,320 | $1,188 – $1,452 | $1,270 | $1,270 |
A household renting a two-bedroom home at the Small Area FMR of $1,010 needs about $40,400 a year to keep housing costs at 30% of income. The area median family income is $54,300 and the 80% low-income limit for four people is $57,500. ZIP code 41745 lies mainly in Perry County and Breathitt County. See the Breathitt 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 41745?
HUD's FY2027 Small Area Fair Market Rents for 41745 are $720 (studio), $770 (1 BR), $1,010 (2 BR), $1,210 (3 BR) and $1,320 (4 BR) a month.
What is the Section 8 payment standard in 41745?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 41745 that range is $909 to $1,111 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 41745?
The FY2026 income limits of the Breathitt County, KY area apply: median family income $54,300, low-income (80%) limit $57,500 for a family of four.