FY2027 Small Area FMR · Seco, KY
ZIP 41849 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 41849 (Seco, KY) is $940 a month, up 8.0% from FY2026. That is 3% above the Letcher 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 41849 sits in the Letcher County, KY area
Of the 27 ZIP codes HUD lists for the area, 41849 has the 7th highest two-bedroom Small Area FMR. Letcher 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 $940 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $670 | $603 – $737 | $650 | $620 |
| 1 bedroom | $770 | $693 – $847 | $751 | $760 |
| 2 bedrooms | $940 | $846 – $1,034 | $909 | $870 |
| 3 bedrooms | $1,120 | $1,008 – $1,232 | $1,094 | $1,170 |
| 4 bedrooms | $1,370 | $1,233 – $1,507 | $1,328 | $1,320 |
A household renting a two-bedroom home at the Small Area FMR of $940 needs about $37,600 a year to keep housing costs at 30% of income. The area median family income is $61,300 and the 80% low-income limit for four people is $57,500. ZIP code 41849 lies mainly in Letcher County. See the Letcher 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 41849?
HUD's FY2027 Small Area Fair Market Rents for 41849 are $670 (studio), $770 (1 BR), $940 (2 BR), $1,120 (3 BR) and $1,370 (4 BR) a month.
What is the Section 8 payment standard in 41849?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 41849 that range is $846 to $1,034 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 41849?
The FY2026 income limits of the Letcher County, KY area apply: median family income $61,300, low-income (80%) limit $57,500 for a family of four.