Louisville, KY-IN: 2-bedroom payment standards across 97 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Louisville, KY-IN HUD Metro FMR Area range from $1,070 to $1,910 for a 2-bedroom. The 90th-percentile ZIP code runs 1.38× the 10th — a gap of $410 a month — which ranks 113th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Louisville, KY-IN is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.

$1,290

median 2-bedroom SAFMR across the area's 97 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$410

monthly gap between the 90th- and 10th-percentile ZIP code ($1,080 to $1,490).

18.6%

of the area's ZIP codes (18 of 97) sit above $1,419 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Louisville, KY-IN

2 BR Small Area FMR area median across all 97 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Filter by ZIP code

Showing 97 of 97 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	40059	$1,910	$1,719–$2,101	above 110%
2	47143	$1,910	$1,719–$2,101	above 110%
3	40026	$1,800	$1,620–$1,980	above 110%
4	40241	$1,670	$1,503–$1,837	above 110%
5	40223	$1,640	$1,476–$1,804	above 110%
6	40228	$1,600	$1,440–$1,760	above 110%
7	40207	$1,570	$1,413–$1,727	above 110%
8	47161	$1,530	$1,377–$1,683	above 110%
9	40025	$1,490	$1,341–$1,639	above 110%
10	40222	$1,490	$1,341–$1,639	above 110%
11	40229	$1,490	$1,341–$1,639	above 110%
12	40243	$1,490	$1,341–$1,639	above 110%
13	40242	$1,470	$1,323–$1,617	above 110%
14	40299	$1,470	$1,323–$1,617	above 110%
15	40220	$1,460	$1,314–$1,606	above 110%
16	47166	$1,460	$1,314–$1,606	above 110%
17	40204	$1,430	$1,287–$1,573	above 110%
18	47119	$1,430	$1,287–$1,573	above 110%
19	40206	$1,400	$1,260–$1,540	109%
20	40280	$1,400	$1,260–$1,540	109%
21	40202	$1,390	$1,251–$1,529	108%
22	40272	$1,380	$1,242–$1,518	107%
23	47124	$1,380	$1,242–$1,518	107%
24	40217	$1,360	$1,224–$1,496	105%
25	40010	$1,350	$1,215–$1,485	105%
26	40291	$1,350	$1,215–$1,485	105%
27	40205	$1,340	$1,206–$1,474	104%
28	47130	$1,340	$1,206–$1,474	104%
29	47172	$1,340	$1,206–$1,474	104%
30	40007	$1,330	$1,197–$1,463	103%
31	40031	$1,320	$1,188–$1,452	102%
32	40118	$1,320	$1,188–$1,452	102%
33	40218	$1,300	$1,170–$1,430	101%
34	47114	$1,300	$1,170–$1,430	101%
35	40018	$1,290	$1,161–$1,419	100%
36	40027	$1,290	$1,161–$1,419	100%
37	40201	$1,290	$1,161–$1,419	100%
38	40221	$1,290	$1,161–$1,419	100%
39	40231	$1,290	$1,161–$1,419	100%
40	40232	$1,290	$1,161–$1,419	100%
41	40233	$1,290	$1,161–$1,419	100%
42	40250	$1,290	$1,161–$1,419	100%
43	40251	$1,290	$1,161–$1,419	100%
44	40252	$1,290	$1,161–$1,419	100%
45	40253	$1,290	$1,161–$1,419	100%
46	40255	$1,290	$1,161–$1,419	100%
47	40256	$1,290	$1,161–$1,419	100%
48	40257	$1,290	$1,161–$1,419	100%
49	40258	$1,290	$1,161–$1,419	100%
50	40259	$1,290	$1,161–$1,419	100%
51	40261	$1,290	$1,161–$1,419	100%
52	40268	$1,290	$1,161–$1,419	100%
53	40269	$1,290	$1,161–$1,419	100%
54	40270	$1,290	$1,161–$1,419	100%
55	40285	$1,290	$1,161–$1,419	100%
56	40109	$1,250	$1,125–$1,375	97%
57	47150	$1,250	$1,125–$1,375	97%
58	47131	$1,240	$1,116–$1,364	96%
59	47162	$1,240	$1,116–$1,364	96%
60	47190	$1,240	$1,116–$1,364	96%
61	40219	$1,230	$1,107–$1,353	95%
62	40077	$1,220	$1,098–$1,342	95%
63	40215	$1,220	$1,098–$1,342	95%
64	40129	$1,210	$1,089–$1,331	94%
65	40166	$1,210	$1,089–$1,331	94%
66	47146	$1,190	$1,071–$1,309	92%
67	47151	$1,190	$1,071–$1,309	92%
68	40214	$1,180	$1,062–$1,298	91%
69	47129	$1,180	$1,062–$1,298	91%
70	47136	$1,180	$1,062–$1,298	91%
71	40041	$1,170	$1,053–$1,287	91%
72	40165	$1,160	$1,044–$1,276	90%
73	40209	$1,150	$1,035–$1,265	89%
74	40210	$1,150	$1,035–$1,265	89%
75	40110	$1,140	$1,026–$1,254	88%
76	40213	$1,140	$1,026–$1,254	88%
77	47122	$1,140	$1,026–$1,254	88%
78	47104	$1,130	$1,017–$1,243	88%
79	47111	$1,130	$1,017–$1,243	88%
80	40047	$1,120	$1,008–$1,232	87%
81	40211	$1,110	$999–$1,221	86%
82	47110	$1,110	$999–$1,221	86%
83	40203	$1,100	$990–$1,210	85%
84	40036	$1,080	$972–$1,188	84%
85	40208	$1,080	$972–$1,188	84%
86	40212	$1,080	$972–$1,188	84%
87	40216	$1,080	$972–$1,188	84%
88	47107	$1,080	$972–$1,188	84%
89	47142	$1,080	$972–$1,188	84%
90	47163	$1,080	$972–$1,188	84%
91	40050	$1,070	$963–$1,177	83%
92	40058	$1,070	$963–$1,177	83%
93	40150	$1,070	$963–$1,177	83%
94	40177	$1,070	$963–$1,177	83%
95	47117	$1,070	$963–$1,177	83%
96	47135	$1,070	$963–$1,177	83%
97	47160	$1,070	$963–$1,177	83%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Louisville, KY-IN compares

Its internal spread of 1.38× (p90 ÷ p10) ranks 113 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.17×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →