FY2027 Small Area FMR · Hardin, KY
ZIP 42048 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42048 (Hardin, KY) is $990 a month, up 2.1% from FY2026. That is 14% below the Calloway County, KY area-wide FMR of $1,155.
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 42048 sits in the Calloway County, KY area
Of the 10 ZIP codes HUD lists for the area, 42048 has the 8th highest two-bedroom Small Area FMR. Calloway 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 $1,155 for two bedrooms; an agency that opts in to Small Area FMRs would use $990 for this ZIP code instead.
ZIP code 42048 crosses more than one HUD area. HUD also lists it under Marshall 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 | $710 | $639 – $781 | $848 | $690 |
| 1 bedroom | $830 | $747 – $913 | $883 | $750 |
| 2 bedrooms | $990 | $891 – $1,089 | $1,155 | $970 |
| 3 bedrooms | $1,280 | $1,152 – $1,408 | $1,376 | $1,170 |
| 4 bedrooms | $1,310 | $1,179 – $1,441 | $1,518 | $1,280 |
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 $82,300 and the 80% low-income limit for four people is $65,850. ZIP code 42048 lies mainly in Marshall County and Calloway County. See the Calloway 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 42048?
HUD's FY2027 Small Area Fair Market Rents for 42048 are $710 (studio), $830 (1 BR), $990 (2 BR), $1,280 (3 BR) and $1,310 (4 BR) a month.
What is the Section 8 payment standard in 42048?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42048 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 42048?
The FY2026 income limits of the Calloway County, KY area apply: median family income $82,300, low-income (80%) limit $65,850 for a family of four.