FY2027 Small Area FMR · Okay, OK

ZIP 74446 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 74446 (Okay, OK) is $1,060 a month, up 7.1% from FY2026. That is 14% below the Tulsa, OK area-wide FMR of $1,229.

2-bedroom SAFMR$1,060per month ▲ 7.1%

Area-wide 2 BR FMR$1,229Tulsa, OK

Rank in the area78thof 122 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$954

2 BR Small Area FMR$1,060

110% of SAFMR$1,166

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

Studio$820▲ 7.9%

1 BR$870▲ 8.8%

2 BR$1,060▲ 7.1%

3 BR$1,390▲ 6.9%

4 BR$1,620▲ 7.3%

FY2027 FY2026

Where 74446 sits in the Tulsa, OK area

Of the 122 ZIP codes HUD lists for the area, 74446 has the 78th 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 $954 and $1,166 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$820	$738 – $902	$947	$760
1 bedroom	$870	$783 – $957	$1,007	$800
2 bedrooms	$1,060	$954 – $1,166	$1,229	$990
3 bedrooms	$1,390	$1,251 – $1,529	$1,611	$1,300
4 bedrooms	$1,620	$1,458 – $1,782	$1,882	$1,510

A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 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 74446 lies mainly in Wagoner County. See the Tulsa, OK metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
74434	Fort Gibson	6.5 mi	$920
74467	Wagoner	9.3 mi	$1,010
74477	Wagoner	11.0 mi	$1,010
74454	Porter	11.2 mi	$920
74401	Muskogee	12.2 mi	$960
74403	Muskogee	12.3 mi	$960

Questions

What is the Fair Market Rent for ZIP code 74446?

HUD's FY2027 Small Area Fair Market Rents for 74446 are $820 (studio), $870 (1 BR), $1,060 (2 BR), $1,390 (3 BR) and $1,620 (4 BR) a month.

What is the Section 8 payment standard in 74446?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 74446 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 74446?

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.