FY2027 Small Area FMR · Cardin, OK

ZIP 74335 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 74335 (Cardin, OK) is $920 a month, down 2.1% from FY2026. That is 0% equal to the Ottawa County, OK area-wide FMR of $916.

2-bedroom SAFMR$920per month ▼ 2.1%

Area-wide 2 BR FMR$916Ottawa County, OK

Rank in the area6thof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$828

2 BR Small Area FMR$920

110% of SAFMR$1,012

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

Studio$700■ 0.0%

1 BR$700▼ 2.8%

2 BR$920▼ 2.1%

3 BR$1,160▼ 2.5%

4 BR$1,210▼ 2.4%

FY2027 FY2026

Where 74335 sits in the Ottawa County, OK area

Of the 11 ZIP codes HUD lists for the area, 74335 has the 6th highest two-bedroom Small Area FMR. Ottawa 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 $916 for two bedrooms; an agency that opts in to Small Area FMRs would use $920 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	$700	$630 – $770	$696	$700
1 bedroom	$700	$630 – $770	$700	$720
2 bedrooms	$920	$828 – $1,012	$916	$940
3 bedrooms	$1,160	$1,044 – $1,276	$1,154	$1,190
4 bedrooms	$1,210	$1,089 – $1,331	$1,204	$1,240

A household renting a two-bedroom home at the Small Area FMR of $920 needs about $36,800 a year to keep housing costs at 30% of income. The area median family income is $64,800 and the 80% low-income limit for four people is $60,700. ZIP code 74335 lies mainly in Ottawa County. See the Ottawa County, OK county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
74360	Picher	1.5 mi	$970
66778	Treece	1.7 mi	$960
74339	Commerce	3.4 mi	$920
74358	North Miami	4.5 mi	$1,230
66713	Baxter Springs	5.7 mi	$990
74354	Miami	6.6 mi	$990

Questions

What is the Fair Market Rent for ZIP code 74335?

HUD's FY2027 Small Area Fair Market Rents for 74335 are $700 (studio), $700 (1 BR), $920 (2 BR), $1,160 (3 BR) and $1,210 (4 BR) a month.

What is the Section 8 payment standard in 74335?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 74335 that range is $828 to $1,012 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 74335?

The FY2026 income limits of the Ottawa County, OK area apply: median family income $64,800, low-income (80%) limit $60,700 for a family of four.