FY2027 Small Area FMR · Breeding, KY
ZIP 42715 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 42715 (Breeding, KY) is $910 a month, up 4.6% from FY2026. That is 0% equal to the Adair 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 42715 sits in the Adair County, KY area
Of the 12 ZIP codes HUD lists for the area, 42715 has the 3rd highest two-bedroom Small Area FMR. Adair 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.
ZIP code 42715 crosses more than one HUD area. HUD also lists it under Cumberland County, KY (same figures) and Metcalfe 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 | $650 | $585 – $715 | $650 | $620 |
| 1 bedroom | $790 | $711 – $869 | $725 | $710 |
| 2 bedrooms | $910 | $819 – $1,001 | $909 | $870 |
| 3 bedrooms | $1,240 | $1,116 – $1,364 | $1,259 | $1,180 |
| 4 bedrooms | $1,280 | $1,152 – $1,408 | $1,310 | $1,220 |
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 $71,700 and the 80% low-income limit for four people is $57,500. ZIP code 42715 lies mainly in Adair County, Metcalfe County and Cumberland County. See the Adair 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 42715?
HUD's FY2027 Small Area Fair Market Rents for 42715 are $650 (studio), $790 (1 BR), $910 (2 BR), $1,240 (3 BR) and $1,280 (4 BR) a month.
What is the Section 8 payment standard in 42715?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 42715 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 42715?
The FY2026 income limits of the Adair County, KY area apply: median family income $71,700, low-income (80%) limit $57,500 for a family of four.