Lower-half FMR gap - Louisville, KY-IN HUD Metro FMR Area
Displayed gap in Louisville, KY-IN HUD Metro FMR Area: +17.8% (HUD $1,272 vs ACS $1,080) · counties in FMR rows: Bullitt County, Clark County, Floyd County, Harrison County, Henry County, Jefferson County, Oldham County, Spencer County .
FMR gap dispatch plate
CBSA 31140 · Louisville, KY-IN -17.8% shortfall
GAP-GENEROUS · FMR-BELOW · SPREAD-PLUS · PHOTO-FINISH · COUNTY-DENSE · BOOK-FULL
- GAP-GENEROUS 17.8% surplus
- FMR-BELOW #186/396 · P47
- SPREAD-PLUS +$192
- PHOTO-FINISH Naples-Marco Islan
- COUNTY-DENSE 8 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Naples-Marco Island, FL Metro Area (-0.0pp)
HUD's reference overshoots the ACS median by $192/mo. Lease-up odds are usually better than in shortfall markets, though still compare Naples-Marco Island, FL Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Louisville, KY-IN
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Louisville · this metro -17.78
Louisville · this metro: -17.8% shortfall
-17.78 % shortfall
- Naples-Marco Isl -17.79
Naples-Marco Isl: -17.8% shortfall
-17.79 % shortfall
- Abilene -17.82
Abilene: -17.8% shortfall
-17.82 % shortfall
- Hot Springs -17.84
Hot Springs: -17.8% shortfall
-17.84 % shortfall
- Corvallis -17.88
Corvallis: -17.9% shortfall
-17.88 % shortfall
How does Louisville, KY-IN compare with nearby FMR areas?
These are the twelve metros closest to Louisville, KY-IN on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Naples-Marco Island, FL Metro Area
-17.8% shortfall · HUD $1,986 vs ACS $1,686 · $+$300/mo
HUD FMR-area counties: Collier County.
- Abilene, TX Metro Area
-17.8% shortfall · HUD $1,276 vs ACS $1,083 · $+$193/mo
HUD FMR-area counties: Callahan County, Jones County, Taylor County.
- Hot Springs, AR Metro Area
-17.8% shortfall · HUD $1,090 vs ACS $925 · $+$165/mo
HUD FMR-area counties: Garland County.
- Corvallis, OR Metro Area
-17.9% shortfall · HUD $1,622 vs ACS $1,376 · $+$246/mo
HUD FMR-area counties: Benton County.
- Milwaukee-Waukesha, WI Metro Area
-17.7% shortfall · HUD $1,338 vs ACS $1,137 · $+$201/mo
HUD FMR-area counties: Milwaukee County, Ozaukee County, Washington County, Waukesha County.
- Elkhart-Goshen, IN Metro Area
-17.6% shortfall · HUD $1,183 vs ACS $1,006 · $+$177/mo
HUD FMR-area counties: Elkhart County.
- Detroit-Warren-Dearborn, MI Metro Area
-17.6% shortfall · HUD $1,411 vs ACS $1,200 · $+$211/mo
HUD FMR-area counties: Lapeer County, Macomb County, Oakland County, St. Clair County, Wayne County.
- Sherman-Denison, TX Metro Area
-18.0% shortfall · HUD $1,351 vs ACS $1,145 · $+$206/mo
HUD FMR-area counties: Grayson County.
- Jacksonville, NC Metro Area
-17.5% shortfall · HUD $1,173 vs ACS $998 · $+$175/mo
HUD FMR-area counties: Onslow County.
- Oklahoma City, OK Metro Area
-18.0% shortfall · HUD $1,244 vs ACS $1,054 · $+$190/mo
HUD FMR-area counties: Canadian County, Cleveland County, Logan County, McClain County, Oklahoma County.
- Tulsa, OK Metro Area
-18.0% shortfall · HUD $1,217 vs ACS $1,031 · $+$186/mo
HUD FMR-area counties: Creek County, Osage County, Rogers County, Tulsa County, Wagoner County.
- Gainesville, FL Metro Area
-17.5% shortfall · HUD $1,493 vs ACS $1,271 · $+$222/mo
HUD FMR-area counties: Alachua County, Gilchrist County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
KY FMR scale context
These are the closest FY2026 2-BR FMR values in KY; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Lexington-Fayette, KY MSA $1,272 (+$0)
- Owensboro, KY MSA $1,110 (−$162)
- Elizabethtown, KY HUD Metro FMR Area $1,056 (−$216)
- Allen County, KY HUD Metro FMR Area $996 (−$276)
High-FMR contrast (scale only)
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area ($2,601 2-BR); Nashua, NH HUD Metro FMR Area ($2,127 2-BR); Calvert County, MD HUD Metro FMR Area ($2,083 2-BR); Las Vegas-Henderson-North Las Vegas, NV MSA ($1,735 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Louisville, KY-IN HUD Metro FMR Area.
Louisville, KY-IN HUD Metro FMR Area gap inputs
- HUD 2-BR FMR (FY2026): $1,272/mo
- ACS 2019–2023 2-BR median: $1,080/mo
- Displayed gap: +17.8%
- National FMR percentile: 47 (#186/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Louisville, KY-IN HUD Metro FMR Area
KY HCV agencies (scale-keyed)
Full payment standards for Louisville, KY-IN HUD Metro FMR Area · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.