FY2027 Small Area FMR · Terlton, OK
ZIP 74081 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 74081 (Terlton, OK) is $1,230 a month, down 9.6% from FY2026. That is 0% equal to the Tulsa, OK area-wide FMR of $1,229.
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 74081 sits in the Tulsa, OK area
Of the 122 ZIP codes HUD lists for the area, 74081 has the 46th highest two-bedroom Small Area FMR. Tulsa, OK is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,107 and $1,353 for two bedrooms.
ZIP code 74081 crosses more than one HUD area. HUD also lists it under Pawnee County, OK (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 | $940 | $846 – $1,034 | $947 | $1,040 |
| 1 bedroom | $990 | $891 – $1,089 | $1,007 | $1,100 |
| 2 bedrooms | $1,230 | $1,107 – $1,353 | $1,229 | $1,360 |
| 3 bedrooms | $1,620 | $1,458 – $1,782 | $1,611 | $1,800 |
| 4 bedrooms | $2,010 | $1,809 – $2,211 | $1,882 | $2,230 |
A household renting a two-bedroom home at the Small Area FMR of $1,230 needs about $49,200 a year to keep housing costs at 30% of income. The area median family income is $95,000 and the 80% low-income limit for four people is $76,000. ZIP code 74081 lies mainly in Pawnee County and Creek County. See the Tulsa, OK metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 74081?
HUD's FY2027 Small Area Fair Market Rents for 74081 are $940 (studio), $990 (1 BR), $1,230 (2 BR), $1,620 (3 BR) and $2,010 (4 BR) a month.
What is the Section 8 payment standard in 74081?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 74081 that range is $1,107 to $1,353 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 74081?
The FY2026 income limits of the Tulsa, OK area apply: median family income $95,000, low-income (80%) limit $76,000 for a family of four.