FY2027 Small Area FMR · Spottsville, KY
ZIP 42458 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42458 (Spottsville, KY) is $970 a month, up 2.1% from FY2026. That is 7% above the Henderson 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 42458 sits in the Henderson County, KY area
Of the 11 ZIP codes HUD lists for the area, 42458 has the 4th highest two-bedroom Small Area FMR. Henderson 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 $970 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $840 | $756 – $924 | $787 | $720 |
| 1 bedroom | $840 | $756 – $924 | $792 | $780 |
| 2 bedrooms | $970 | $873 – $1,067 | $909 | $950 |
| 3 bedrooms | $1,300 | $1,170 – $1,430 | $1,222 | $1,240 |
| 4 bedrooms | $1,460 | $1,314 – $1,606 | $1,366 | $1,440 |
A household renting a two-bedroom home at the Small Area FMR of $970 needs about $38,800 a year to keep housing costs at 30% of income. The area median family income is $79,700 and the 80% low-income limit for four people is $63,750. ZIP code 42458 lies mainly in Henderson County. See the Henderson 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 42458?
HUD's FY2027 Small Area Fair Market Rents for 42458 are $840 (studio), $840 (1 BR), $970 (2 BR), $1,300 (3 BR) and $1,460 (4 BR) a month.
What is the Section 8 payment standard in 42458?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42458 that range is $873 to $1,067 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 42458?
The FY2026 income limits of the Henderson County, KY area apply: median family income $79,700, low-income (80%) limit $63,750 for a family of four.