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Section 8 rent in Clay County, KY

FY2025 HUD Small Area Fair Market Rents for the Clay County, KY, covering 15 ZIP codes.

$888Avg 2BR FMR / mo
$977Avg 2BR at 110% Standard
15ZIP Codes

Fair market rent by bedroom count

Base SAFMR across all ZIP codes in this market. Housing authorities may set payment standards between 90% and 110% of these rates.

BedroomsLowest ZIPAverageHighest ZIPAvg 110% Standard
Studio$620$698$750$768
1 Bedroom$690$725$760$797
2 Bedrooms$870$888$940$977
3 Bedrooms$1,130$1,190$1,240$1,309
4 Bedrooms$1,300$1,407$1,570$1,547

Small multifamily Section 8 income

Estimated gross monthly and annual rent for 2-to-4 unit properties, assuming every unit is rented to Section 8 at this market's average fair market rent. Small multifamily is a favorite for long-term buy-and-hold investors stacking stable voucher income across multiple doors.

Property TypeUnit MixGross Monthly RentGross Annual Rent
Duplex2 × 2BR$1,776$21,312
Triplex3 × 2BR$2,664$31,968
Fourplex4 × 2BR$3,552$42,624
Fourplex4 × 3BR$4,760$57,120

Gross scheduled rent before vacancy, maintenance and management. Run any Kentucky multifamily listing through RealG to model it against real operating costs, or try the rental property calculator.

Highest-paying ZIP codes

Top 15 of 15 ZIP codes in this market, ranked by 2-bedroom SAFMR.

ZIP Code1BR2BR3BR4BR
40906 $740 $940 $1,130 $1,570
41721 $710 $940 $1,130 $1,300
40741 $690 $910 $1,150 $1,300
40744 $690 $900 $1,130 $1,300
40402 $690 $890 $1,190 $1,300
40962 $760 $890 $1,240 $1,490
40913 $740 $880 $1,180 $1,460
40983 $720 $880 $1,190 $1,320
40486 $690 $870 $1,190 $1,300
40914 $740 $870 $1,220 $1,460
40932 $740 $870 $1,220 $1,460
40941 $740 $870 $1,220 $1,460
40944 $740 $870 $1,220 $1,460
40951 $740 $870 $1,220 $1,460
40972 $740 $870 $1,220 $1,460

Quick cash flow check

Free Tool

Estimate monthly cash flow renting to Section 8 at this market's average fair market rent.

Section 8 rent (avg FMR)—
Est. mortgage payment (PITI)—
Est. monthly cash flow—

30-year fixed. Taxes and insurance estimated at 1.5% and 0.5% of price per year. Before vacancy, maintenance and management. For a full itemized analysis, run this market in RealG.

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Frequently asked questions

How much does Section 8 pay for a 2-bedroom in Clay County, KY?
For FY2025, the average 2-bedroom Small Area Fair Market Rent in the Clay County, KY is $888 per month, ranging from $870 to $940 depending on ZIP code. Local housing authorities may set payment standards between 90% and 110% of these rates, so the average 2-bedroom payment standard can reach $977.
What is a Small Area Fair Market Rent (SAFMR)?
SAFMRs are fair market rents that HUD publishes at the ZIP code level instead of one rate for a whole metro area. They reflect what modest rental housing actually costs in each ZIP, which means higher payment standards in more expensive neighborhoods. Housing choice voucher payments in this market are based on these rates.
Why do rents vary so much between ZIP codes here?
In Clay County, KY, 2-bedroom SAFMRs run from $870 to $940 per month. HUD sets each ZIP's rate from local rent data, so neighborhoods with stronger rental markets get higher voucher payment standards. For investors, the spread matters: the same house price can produce very different Section 8 rents a few ZIP codes apart.
How do I find Section 8 investment properties in Kentucky?
RealG searches live listings across Kentucky, runs Section 8 numbers on every property using these HUD rates, and grades each deal A through D against your buying criteria. You can start free with no credit card and see graded deals in this market in minutes.

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These are the rents. RealG finds the properties.

Every Kentucky listing analyzed against real HUD rates and graded A–D. The AI agent calls the sellers.

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