FY2027 Small Area FMR · Pine Knot, KY

ZIP 42635 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42635 (Pine Knot, KY) is $910 a month, up 4.6% from FY2026. That is 0% equal to the McCreary County, KY area-wide FMR of $909.

2-bedroom SAFMR$910per month ▲ 4.6%

Area-wide 2 BR FMR$909McCreary County, KY

Rank in the area8thof 8 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$819

2 BR Small Area FMR$910

110% of SAFMR$1,001

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

Studio$650▲ 4.8%

1 BR$840▲ 6.3%

2 BR$910▲ 4.6%

3 BR$1,150▲ 7.5%

4 BR$1,270▲ 5.0%

FY2027 FY2026

Where 42635 sits in the McCreary County, KY area

Of the 8 ZIP codes HUD lists for the area, 42635 has the 8th highest two-bedroom Small Area FMR. McCreary 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 $910 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	$650	$585 – $715	$650	$620
1 bedroom	$840	$756 – $924	$835	$790
2 bedrooms	$910	$819 – $1,001	$909	$870
3 bedrooms	$1,150	$1,035 – $1,265	$1,147	$1,070
4 bedrooms	$1,270	$1,143 – $1,397	$1,270	$1,210

A household renting a two-bedroom home at the Small Area FMR of $910 needs about $36,400 a year to keep housing costs at 30% of income. The area median family income is $44,800 and the 80% low-income limit for four people is $57,500. ZIP code 42635 lies mainly in McCreary County. See the McCreary County, KY county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
42638	Revelo	4.1 mi	$930
42649	Strunk	4.6 mi	$960
42631	Marshes Siding	6.3 mi	$1,120
42653	Whitley City	7.7 mi	$1,120
37892	Winfield	8.9 mi	$1,000
40769	Williamsburg	11.6 mi	$940

Questions

What is the Fair Market Rent for ZIP code 42635?

HUD's FY2027 Small Area Fair Market Rents for 42635 are $650 (studio), $840 (1 BR), $910 (2 BR), $1,150 (3 BR) and $1,270 (4 BR) a month.

What is the Section 8 payment standard in 42635?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42635 that range is $819 to $1,001 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 42635?

The FY2026 income limits of the McCreary County, KY area apply: median family income $44,800, low-income (80%) limit $57,500 for a family of four.