FY2027 Small Area FMR · West Paducah, KY
ZIP 42086 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42086 (West Paducah, KY) is $1,250 a month, up 7.8% from FY2026. That is 11% above the McCracken County, KY area-wide FMR of $1,131.
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 42086 sits in the McCracken County, KY area
Of the 9 ZIP codes HUD lists for the area, 42086 has the 1st highest two-bedroom Small Area FMR. McCracken 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 $1,131 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,250 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $870 | $783 – $957 | $788 | $800 |
| 1 bedroom | $1,020 | $918 – $1,122 | $924 | $930 |
| 2 bedrooms | $1,250 | $1,125 – $1,375 | $1,131 | $1,160 |
| 3 bedrooms | $1,490 | $1,341 – $1,639 | $1,348 | $1,390 |
| 4 bedrooms | $1,790 | $1,611 – $1,969 | $1,616 | $1,950 |
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 $102,400 and the 80% low-income limit for four people is $79,350. ZIP code 42086 lies mainly in McCracken County. See the McCracken 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 42086?
HUD's FY2027 Small Area Fair Market Rents for 42086 are $870 (studio), $1,020 (1 BR), $1,250 (2 BR), $1,490 (3 BR) and $1,790 (4 BR) a month.
What is the Section 8 payment standard in 42086?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42086 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 42086?
The FY2026 income limits of the McCracken County, KY area apply: median family income $102,400, low-income (80%) limit $79,350 for a family of four.