Renting · Section 8
Data from November 2026
Renting in Campbell County, Kentucky
Campbell County has a HUD fair market rent of $1,442 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,145 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $27.73 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,442
- a month, HUD, Fiscal year 2027
- 25% more than in Kentucky
- Typical rent
- $1,145
- a month, Census, Average 2020–2024
- 18% more than in Kentucky
- Wage needed
- $27.73
- an hour, 2 bedrooms
- Or $57,680 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 49%
- spend 30% or more of income on rent
- 8% more than in Kentucky
Only here
Renting in Campbell County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Bracken County has the lowest typical rent ($756), 34% below the $1,145 in Campbell County.
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Campbell County has the 6th highest typical rent of the 118 counties in Kentucky with this figure ($1,145).
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Campbell County has the 9th highest typical household income of the 120 counties in Kentucky ($77,567).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Campbell County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Campbell County was $1,504 a month in September 2026: 4% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,052 | $20.23 | $42,080 |
| 1 bedroom | $1,128 | $21.69 | $45,120 |
| 2 bedrooms | $1,442 | $27.73 | $57,680 |
| 3 bedrooms | $1,897 | $36.48 | $75,880 |
| 4 bedrooms | $2,141 | $41.17 | $85,640 |
HUD area: Cincinnati, OH-KY-IN HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 9 ZIP codes in Campbell County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,010 in 41059 to $1,600 in 41071. 5 ZIP codes are above the county's fair market rent ($1,442).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 41001 | $1,090 | $1,170 | $1,490 | $1,960 | $2,210 |
|---|---|---|---|---|---|
| 41007 | $920 | $1,010 | $1,300 | $1,710 | $1,890 |
| 41059 | $740 | $790 | $1,010 | $1,340 | $1,520 |
| 41071 | $1,170 | $1,250 | $1,600 | $2,110 | $2,380 |
| 41073 | $1,120 | $1,210 | $1,540 | $2,030 | $2,290 |
| 41074 | $1,040 | $1,120 | $1,430 | $1,880 | $2,120 |
| 41075 | $1,060 | $1,130 | $1,450 | $1,910 | $2,150 |
| 41076 | $1,090 | $1,170 | $1,500 | $1,970 | $2,230 |
| 41085 | $740 | $790 | $1,010 | $1,340 | $1,520 |
- 41001 $1,490$1,960
- 41007 $1,300$1,710
- 41059 $1,010$1,340
- 41071 $1,600$2,110
- 41073 $1,540$2,030
- 41074 $1,430$1,880
- 41075 $1,450$1,910
- 41076 $1,500$1,970
- 41085 $1,010$1,340
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Campbell County, 49% of renter households are in that position; in Kentucky, 45%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
49%
of renter households spend 30% or more of their income on rent.
11,346 households rent in Campbell County
- Spend half or more of their income 26%
- Spend 30% or more, but less than half 23%
- Spend less than 30% 51%
Compared with the state and the country
- Campbell 49%
- Kentucky 45%
- United States 51%
Low-income apartments
Low-income apartments in Campbell County
HUD lists 25 properties with homes for low-income households in Campbell County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 13
- HUD-assisted
- 4
- public housing
- 8
1,495 homes in all; 1,341 of them low-income, according to HUD.
- Grand Towers Public housing 1359 Grand Ave, Newport 41071 198 homes, 139 low-income · Run by Housing Authority of Newport · Average payment: $481 a month · Average wait: 20 months · (859) 581-2533
- Canterbury House Apartments - Southgate Tax credit (LIHTC) Regal Ridge, Southgate 41071 230 homes, 138 low-income · 1 bd: 59 · 2 bd: 109 · 3 bd: 59 · 4 bd: 3 · In service since 2009 · For families
- Highland Village Tax credit (LIHTC) Main Avenue, Highland Heights 41076 118 low-income homes · 1 bd: 104 · 2 bd: 14 · In service since 2018 · For older adults
- City Wide Public housing 1500 London Acres Dr, Newport 41071 100 low-income homes · Run by Housing Authority of Newport · Average payment: $542 a month · Average wait: 36 months · Homes at several sites · (859) 581-2533
- City Wide Housing Tax credit (LIHTC) West 8th Street, Newport 41071 100 low-income homes · 1 bd: 8 · 2 bd: 55 · 3 bd: 34 · 4 bd: 3 · In service since 2009 · For families
- Vista Pointe Apartments Tax credit (LIHTC) Vista Pointe DR., Wilder 41071 98 low-income homes · 1 bd: 34 · 2 bd: 56 · 3 bd: 8 · In service since 1994
- Speers Court HUD-assisted 901 5th Ave, Dayton 41074 92 homes, 91 low-income · For older adults · (859) 261-0536
- Grand Towers Tax credit (LIHTC) Grand Ave., Newport 41071 76 low-income homes · 1 bd: 76 · In service since 2005 · For older adults
- Two Rivers Apts HUD-assisted 411 Elm St, Newport 41071 71 homes, 70 low-income · For older adults · (859) 431-2166
- Highland Village Public housing 515 Main Ave, Highland Heights 41076 50 low-income homes · Run by Housing Authority of Newport · Average payment: $575 a month · Average wait: 30 months · (859) 581-2533
- Northern Kentucky Scholar House Tax credit (LIHTC) W. 6th ST, Newport 41071 48 low-income homes · 2 bd: 42 · 3 bd: 6 · In service since 2015 · For families
- Saratoga Place I Tax credit (LIHTC) Saratoga Street, Newport 41071 48 low-income homes · 1 bd: 48 · In service since 2019 · For older adults
- Jamestown Village Public housing 201 Clay St, Dayton 41074 45 low-income homes · Run by Housing Authority of Dayton · Average payment: $517 a month · Average wait: 4 months · (859) 491-7749
- Liberty Housing Tax credit (LIHTC) Roberts Street, Newport 41071 39 low-income homes · 2 bd: 39 · In service since 2008
- Liberty Housing Public housing 618 Roberts St, Newport 41071 39 low-income homes · Run by Housing Authority of Newport · Average payment: $507 a month · Average wait: 39 months · Homes at several sites · (859) 581-2533
- Clifton Hills Tax credit (LIHTC) 18th Street, Newport 41071 32 low-income homes · 1 bd: 24 · 2 bd: 8 · In service since 2013 · For older adults
- Cold Springs Single Family Homes Tax credit (LIHTC) Salmon Pass, Cold Spring 41076 30 low-income homes · 4 bd: 30 · In service since 2007
- Central Housing Public housing 602 Central Ave, Newport 41071 21 low-income homes · Run by Housing Authority of Newport · Average payment: $771 a month · Average wait: 40 months · Homes at several sites · (859) 581-2533
- Corpus Christi Apartments Aka Basin Housing Phase I Tax credit (LIHTC) Isabella ST., Newport 41071 20 low-income homes · 1 bd: 20 · In service since 2006 · For older adults
- Newport Commons HUD-assisted 726 Roberts St, Newport 41071 12 low-income homes · For people with disabilities · (859) 431-2166
- Corpus Apartments Public housing 840 Isabella St, Newport 41071 10 low-income homes · Run by Housing Authority of Newport · (859) 581-2533
- VOA/ORV-River Road, Inc. HUD-assisted 435 River Rd, Fort Thomas 41075 8 homes, 7 low-income · For people with disabilities · (859) 781-5662
- 330 Center ST Tax credit (LIHTC) 330 Center St, Bellevue 41073 4 low-income homes · In service since 1991
- 8th Street Public housing 409 W 8th St, Newport 41071 4 low-income homes · Run by Housing Authority of Newport · Homes at several sites · (859) 581-2533
- 721 Isabella ST Tax credit (LIHTC) 721 Isabella St, Newport 41071 2 low-income homes · In service since 1991
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Campbell County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 3 agencies serve in Campbell County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $23,100 | $38,500 | $61,550 |
| 2 people | $26,400 | $44,000 | $70,350 |
| 3 people | $29,700 | $49,500 | $79,150 |
| 4 people | $33,000 | $54,950 | $87,900 |
| 5 people | $38,680 | $59,350 | $94,950 |
| 6 people | $44,360 | $63,750 | $102,000 |
| 7 people | $50,040 | $68,150 | $109,000 |
| 8 people | $55,720 | $72,550 | $116,050 |
Area median income: $109,900. HUD income limits by family size, Fiscal year 2026. Area: Cincinnati, OH-KY-IN HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $947 – $1,157
- 1 bedroom $1,015 – $1,241
- 2 bedrooms $1,298 – $1,586
- 3 bedrooms $1,707 – $2,087
- 4 bedrooms $1,927 – $2,355
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Housing Authority of Newport Public housing and Section 8 vouchers · 614 vouchers · 363 public housing units (859) 581-2533 Housing Authority of Newport: tjoyner@neighborhoodfoundations.com
- Campbell County Department of Housing Section 8 vouchers · 773 vouchers (859) 261-5200 Campbell County Department of Housing: kphillips@campbellcountyky.gov
- Housing Authority of Dayton Public housing · 45 public housing units (859) 491-7749 Housing Authority of Dayton: jlovins@daytonhousingky.org
Housing agencies in Kentucky Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Kentucky
What Kentucky law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- If I fall behind on rent, what notice must I get?
- 7 days
- KRS 383.660(2)
- Only a court order can remove youKRS 383.690
- Protection from retaliationKRS 383.705(1)
- Repair and deduct from the rentKRS 383.635(1)
Help
Where to get help with rent in Campbell County
This HUD-approved agency has an office in Campbell County. They counsel for free or at low cost.
-
Brighton Center, Incorporated
799 Ann Street, Newport · Spanish
Also serves in Portuguese.
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 9 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Campbell County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Kentucky, the average home bill was $134 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,884
What you need before you get the keys.
What adds up
- First month
- $1,442
- Security deposit
- $1,442
- Total
- $2,884
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Campbell County?
According to HUD (Fiscal year 2027): Studio: $1,052; 1 bedroom: $1,128; 2 bedrooms: $1,442; 3 bedrooms: $1,897; 4 bedrooms: $2,141. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Campbell County?
Paying the 2-bedroom fair market rent ($1,442) without spending more than 30% of income takes $27.73 an hour full time, or $57,680 a year.
Who qualifies for Section 8 in Campbell County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $54,950 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Campbell County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,298 and $1,586 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Campbell County?
For 2 bedrooms they run from $1,010 in 41059 to $1,600 in 41071. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Campbell County?
HUD lists 25 properties with homes for low-income households in Campbell County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Campbell County?
HUD counts rent as a burden when it reaches 30% of income or more. In Campbell County, 49% of renter households are in that position; in Kentucky, 45%, and nationwide, 51% (Average 2020–2024, Census).