FY2027 Small Area FMR · Smithland, KY

ZIP 42081 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42081 (Smithland, KY) is $1,250 a month, up 5.9% from FY2026. That is 2% above the Livingston County, KY area-wide FMR of $1,220.

2-bedroom SAFMR$1,250per month ▲ 5.9%

Area-wide 2 BR FMR$1,220Livingston County, KY

Rank in the area2ndof 8 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,125

2 BR Small Area FMR$1,250

110% of SAFMR$1,375

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

Studio$870▼ 1.1%

1 BR$960▼ 2.0%

2 BR$1,250▲ 5.9%

3 BR$1,490▲ 5.7%

4 BR$1,770▼ 1.7%

FY2027 FY2026

Where 42081 sits in the Livingston County, KY area

Of the 8 ZIP codes HUD lists for the area, 42081 has the 2nd highest two-bedroom Small Area FMR. Livingston 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 $1,220 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,250 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	$870	$783 – $957	$850	$880
1 bedroom	$960	$864 – $1,056	$937	$980
2 bedrooms	$1,250	$1,125 – $1,375	$1,220	$1,180
3 bedrooms	$1,490	$1,341 – $1,639	$1,454	$1,410
4 bedrooms	$1,770	$1,593 – $1,947	$1,723	$1,800

A household renting a two-bedroom home at the Small Area FMR of $1,250 needs about $50,000 a year to keep housing costs at 30% of income. The area median family income is $81,400 and the 80% low-income limit for four people is $65,100. ZIP code 42081 lies mainly in Livingston County. See the Livingston County, KY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
42028	Burna	4.5 mi	$1,050
42047	Hampton	4.5 mi	$1,160
42078	Salem	8.0 mi	$1,050
62910	Brookport	8.2 mi	$1,100
42083	Tiline	8.4 mi	$1,110
42058	Ledbetter	11.9 mi	$1,510

Questions

What is the Fair Market Rent for ZIP code 42081?

HUD's FY2027 Small Area Fair Market Rents for 42081 are $870 (studio), $960 (1 BR), $1,250 (2 BR), $1,490 (3 BR) and $1,770 (4 BR) a month.

What is the Section 8 payment standard in 42081?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42081 that range is $1,125 to $1,375 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 42081?

The FY2026 income limits of the Livingston County, KY area apply: median family income $81,400, low-income (80%) limit $65,100 for a family of four.