HUD FY2026 · ACS 2019–2023 generous bottom-quartile

Low-FMR metro gap - Owensboro, KY MSA

Displayed gap in Owensboro, KY MSA: +22.3% (HUD $1,110 vs ACS $908) · counties in FMR rows: Daviess County, McLean County .

FMR gap dispatch plate

CBSA 36980 · Owensboro, KY -22.3% shortfall

GAP-GENEROUS · FMR-BOTTOM · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL

  • GAP-GENEROUS 22.3% surplus
  • FMR-BOTTOM #89/396 · P22
  • SPREAD-PLUS +$202
  • PHOTO-FINISH Grants Pass
  • COUNTY-SPARSE 2 counties
  • BOOK-FULL HUD+ACS pair

Nearest shortfall peer: Grants Pass, OR Metro Area (+0.0pp)

HUD's reference overshoots the ACS median by $202/mo. Lease-up odds are usually better than in shortfall markets, though still compare Grants Pass, OR 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 Owensboro, KY

Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.

% shortfall
Source HUD USER FMR + Census ACS median gross rent As of 2026-08-25

How does Owensboro, KY compare with nearby FMR areas?

These are the twelve metros closest to Owensboro, KY on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.

  1. Grants Pass, OR Metro Area

    -22.2% shortfall · HUD $1,363 vs ACS $1,115 · $+$248/mo

    HUD FMR-area counties: Josephine County.

  2. Youngstown-Warren, OH Metro Area

    -22.2% shortfall · HUD $973 vs ACS $796 · $+$177/mo

    HUD FMR-area counties: Mahoning County, Trumbull County.

  3. Oshkosh-Neenah, WI Metro Area

    -22.2% shortfall · HUD $1,149 vs ACS $940 · $+$209/mo

    HUD FMR-area counties: Winnebago County.

  4. Duluth, MN-WI Metro Area

    -22.2% shortfall · HUD $1,232 vs ACS $1,008 · $+$224/mo

    HUD FMR-area counties: Carlton County, Douglas County, St. Louis County.

  5. Charleston-North Charleston, SC Metro Area

    -22.3% shortfall · HUD $1,787 vs ACS $1,461 · $+$326/mo

    HUD FMR-area counties: Berkeley County, Charleston County, Dorchester County.

  6. Elmira, NY Metro Area

    -22.2% shortfall · HUD $1,283 vs ACS $1,050 · $+$233/mo

    HUD FMR-area counties: Chemung County.

  7. Lima, OH Metro Area

    -22.2% shortfall · HUD $1,108 vs ACS $907 · $+$201/mo

    HUD FMR-area counties: Allen County.

  8. Mount Vernon-Anacortes, WA Metro Area

    -22.2% shortfall · HUD $1,720 vs ACS $1,408 · $+$312/mo

    HUD FMR-area counties: Skagit County.

  9. Dalton, GA Metro Area

    -22.1% shortfall · HUD $1,009 vs ACS $826 · $+$183/mo

    HUD FMR-area counties: Murray County.

  10. Olympia-Lacey-Tumwater, WA Metro Area

    -22.1% shortfall · HUD $1,960 vs ACS $1,605 · $+$355/mo

    HUD FMR-area counties: Thurston County.

  11. Dover, DE Metro Area

    -22.1% shortfall · HUD $1,470 vs ACS $1,204 · $+$266/mo

    HUD FMR-area counties: Kent County.

  12. Pinehurst-Southern Pines, NC Metro Area

    -22.4% shortfall · HUD $1,358 vs ACS $1,109 · $+$249/mo

    HUD FMR-area counties: Moore 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.

  1. Elizabethtown, KY HUD Metro FMR Area $1,056 (−$54)
  2. Allen County, KY HUD Metro FMR Area $996 (−$114)
  3. Lexington-Fayette, KY MSA $1,272 (+$162)
  4. Louisville, KY-IN HUD Metro FMR Area $1,272 (+$162)

High-FMR contrast (scale only)

Oxnard-Thousand Oaks-Ventura, CA MSA ($2,693 2-BR); Orlando-Kissimmee-Sanford, FL MSA ($1,972 2-BR); Palm Bay-Melbourne-Titusville, FL MSA ($1,709 2-BR); Olympia-Lacey-Tumwater, WA MSA ($1,960 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Owensboro, KY MSA.

Owensboro, KY MSA gap inputs

  • HUD 2-BR FMR (FY2026): $1,110/mo
  • ACS 2019–2023 2-BR median: $908/mo
  • Displayed gap: +22.3%
  • National FMR percentile: 22 (#89/396)

displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100

Issuing PHAs for Owensboro, KY MSA

KY HCV agencies (scale-keyed)

Full payment standards for Owensboro, KY MSA · 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.

Verify with HUD → · Verify with U.S. Census Bureau →

Source and method. PlainVoucher compiles public HUD and U.S. Census release data into a searchable reference. Release periods and source boundaries are identified on each data surface; PlainVoucher does not determine eligibility, waitlist status, payment standards, or local PHA rules. Read our editorial standards and corrections policy, methodology, or report a data error. Data current as of 2026-08-25.