FY2027 Small Area FMR · Stillwater, OK
ZIP 74074 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 74074 (Stillwater, OK) is $1,130 a month, down 1.7% from FY2026. That is 12% above the Payne County, OK area-wide FMR of $1,010.
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 74074 sits in the Payne County, OK area
Of the 17 ZIP codes HUD lists for the area, 74074 has the 1st highest two-bedroom Small Area FMR. Payne County, OK 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 $1,010 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,130 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $890 | $801 – $979 | $799 | $870 |
| 1 bedroom | $930 | $837 – $1,023 | $829 | $940 |
| 2 bedrooms | $1,130 | $1,017 – $1,243 | $1,010 | $1,150 |
| 3 bedrooms | $1,560 | $1,404 – $1,716 | $1,399 | $1,600 |
| 4 bedrooms | $1,640 | $1,476 – $1,804 | $1,468 | $1,740 |
A household renting a two-bedroom home at the Small Area FMR of $1,130 needs about $45,200 a year to keep housing costs at 30% of income. The area median family income is $98,800 and the 80% low-income limit for four people is $73,200. ZIP code 74074 lies mainly in Payne County. See the Payne County, OK 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 74074?
HUD's FY2027 Small Area Fair Market Rents for 74074 are $890 (studio), $930 (1 BR), $1,130 (2 BR), $1,560 (3 BR) and $1,640 (4 BR) a month.
What is the Section 8 payment standard in 74074?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 74074 that range is $1,017 to $1,243 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 74074?
The FY2026 income limits of the Payne County, OK area apply: median family income $98,800, low-income (80%) limit $73,200 for a family of four.