Renting · Section 8
Data from November 2026
Renting in Christian County, Kentucky
Christian County has a HUD fair market rent of $1,307 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,040 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $25.13 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,307
- a month, HUD, Fiscal year 2027
- 13% more than in Kentucky
- Typical rent
- $1,040
- a month, Census, Average 2020–2024
- 8% more than in Kentucky
- Wage needed
- $25.13
- an hour, 2 bedrooms
- Or $52,280 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 46%
- spend 30% or more of income on rent
- About the same as in Kentucky
Only here
Renting in Christian County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Christian County has the lowest homeownership rate of the 120 counties in Kentucky: 50%.
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Christian County has the highest typical rent in its area: $1,040, more than any of its 6 neighboring counties; next is Todd County ($851).
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At $1,040, Christian County ranks 10th among the 118 counties in Kentucky with this figure for the highest typical rent.
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 Christian 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 Christian County was $1,152 a month in September 2026: 3% 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 | $1,061 | $20.40 | $42,440 |
| 1 bedroom | $1,068 | $20.54 | $42,720 |
| 2 bedrooms | $1,307 | $25.13 | $52,280 |
| 3 bedrooms | $1,786 | $34.35 | $71,440 |
| 4 bedrooms | $2,185 | $42.02 | $87,400 |
HUD area: Clarksville, TN-KY 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 10 ZIP codes in Christian County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,220 in 42215 to $1,310 in 42262. 1 ZIP code is above the county's fair market rent ($1,307).
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)
| 42215 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
|---|---|---|---|---|---|---|
| 42217 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42232 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42236 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42240 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42240 | Todd County, KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42254 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42262 | Clarksville, TN-KY | $1,060 | $1,070 | $1,310 | $1,790 | $2,190 |
| 42266 | Clarksville, TN-KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
| 42266 | Todd County, KY | $990 | $990 | $1,220 | $1,690 | $2,040 |
- 42215 · Clarksville, TN-KY $1,220$1,690
- 42217 · Clarksville, TN-KY $1,220$1,690
- 42232 · Clarksville, TN-KY $1,220$1,690
- 42236 · Clarksville, TN-KY $1,220$1,690
- 42240 · Clarksville, TN-KY $1,220$1,690
- 42240 · Todd County, KY $1,220$1,690
- 42254 · Clarksville, TN-KY $1,220$1,690
- 42262 · Clarksville, TN-KY $1,310$1,790
- 42266 · Clarksville, TN-KY $1,220$1,690
- 42266 · Todd County, KY $1,220$1,690
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 Christian County, 46% 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.
46%
of renter households spend 30% or more of their income on rent.
12,851 households rent in Christian County
- Spend half or more of their income 22%
- Spend 30% or more, but less than half 24%
- Spend less than 30% 54%
Compared with the state and the country
- Christian 46%
- Kentucky 45%
- United States 51%
Low-income apartments
Low-income apartments in Christian County
HUD lists 21 properties with homes for low-income households in Christian County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 15
- HUD-assisted
- 6
853 homes in all; 821 of them low-income, according to HUD.
- Woodland Heights HUD-assisted 2530 Greenville RD, Hopkinsville 42240 100 homes, 94 low-income · For families · (270) 886-6518
- Chapel House - Hopkinsville HUD-assisted 100 North Dr, Hopkinsville 42240 86 homes, 85 low-income · For older adults · (270) 885-0680
- Friendship House - Hopkinsville HUD-assisted 2310 Faulkner Dr, Hopkinsville 42240 61 homes, 60 low-income · For older adults · (270) 885-4119
- Friendship House of Hopkinsville Tax credit (LIHTC) Faulkner Drive, Hopkinsville 42240 61 homes, 53 low-income · 1 bd: 61 · In service since 2016 · For older adults
- James Village Townhomes Tax credit (LIHTC) East 21st Street, Hopkinsville 42240 48 low-income homes · 3 bd: 48 · In service since 2012 · For families
- New Horizon Scholar House Tax credit (LIHTC) Glass Avenue, Hopkinsville 42240 48 low-income homes · 2 bd: 40 · 3 bd: 8 · In service since 2020 · For families
- Westwood Senior House HUD-assisted 1402 W 7th St, Hopkinsville 42240 48 low-income homes · For older adults · (270) 887-4082
- Meadowbrook Apts HUD-assisted 600 Charlie Ct, Hopkinsville 42240 48 homes, 47 low-income · For families · (270) 886-9748
- Westwood Senior Homes Tax credit (LIHTC) West Seventh Street, Hopkinsville 42240 48 homes, 47 low-income · 1 bd: 48 · In service since 2016 · For older adults
- Greenway Place Apartments Tax credit (LIHTC) Elm Street, Hopkinsville 42240 40 low-income homes · 2 bd: 28 · 3 bd: 12 · In service since 2005 · For families
- Mason's Pointe Apartments Tax credit (LIHTC) Elm ST., Hopkinsville 42241 40 low-income homes · 2 bd: 28 · 3 bd: 12 · In service since 2002
- Trilogy Center for Women Tax credit (LIHTC) Trilogy Avenue, Hopkinsville 42240 38 low-income homes · 4 bd: 38 · In service since 2008
- Pennyrile Senior Apartments Tax credit (LIHTC) East 4th Street, Hopkinsville 42240 35 low-income homes · 1 bd: 28 · 2 bd: 7 · In service since 2005 · For older adults
- Austin Acres Tax credit (LIHTC) Pin Oak DR., Hopkinsville 42240 32 low-income homes · 1 bd: 32 · In service since 2001
- Clarktown Landing Tax credit (LIHTC) Glass Ave., Hopkinsville 42240 32 low-income homes · 3 bd: 32 · In service since 2013 · For families
- Foster Senior Homes Tax credit (LIHTC) W. 7th Street, Hopkinsville 42240 32 low-income homes · 2 bd: 32 · In service since 2013 · For older adults
- Crofton Manor Apartments Tax credit (LIHTC) Old Madisonville Road, Crofton 42217 24 low-income homes · 1 bd: 24 · In service since 2011 · For older adults
- Pembroke Senior Apartments Tax credit (LIHTC) E. Cherry ST., Pembroke 42266 16 low-income homes · 1 bd: 15 · 2 bd: 1 · In service since 1993
- Karp - Christian County Tax credit (LIHTC) Colonette DR., Hopkinsville 42240 2 low-income homes · 2 bd: 2 · In service since 2004
- Quad County Housing, LLC Tax credit (LIHTC) FT. Campbell BLVD, Hopkinsville 42240 14 homes · 2 bd: 14 · In service since 2011 · For families
- Nottingham Flats HUD-assisted 1101 Pyle Ln, Hopkinsville 42240 (270) 350-2673
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 Christian County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Christian 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 | $19,750 | $32,850 | $52,550 |
| 2 people | $22,550 | $37,550 | $60,050 |
| 3 people | $27,320 | $42,250 | $67,550 |
| 4 people | $33,000 | $46,900 | $75,050 |
| 5 people | $38,680 | $50,700 | $81,100 |
| 6 people | $44,360 | $54,450 | $87,100 |
| 7 people | $50,040 | $58,200 | $93,100 |
| 8 people | $55,720 | $61,950 | $99,100 |
Area median income: $93,800. HUD income limits by family size, Fiscal year 2026. Area: Clarksville, TN-KY HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $955 – $1,167
- 1 bedroom $961 – $1,175
- 2 bedrooms $1,176 – $1,438
- 3 bedrooms $1,607 – $1,965
- 4 bedrooms $1,967 – $2,404
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 Hopkinsville Public housing and Section 8 vouchers · 1,061 vouchers (270) 887-4275 Housing Authority of Hopkinsville: LFAULKNER@housingah.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 Christian County
This HUD-approved agency has an office in Christian County. They counsel for free or at low cost.
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Christian 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
$2,614
What you need before you get the keys.
What adds up
- First month
- $1,307
- Security deposit
- $1,307
- Total
- $2,614
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 Christian County?
According to HUD (Fiscal year 2027): Studio: $1,061; 1 bedroom: $1,068; 2 bedrooms: $1,307; 3 bedrooms: $1,786; 4 bedrooms: $2,185. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Christian County?
Paying the 2-bedroom fair market rent ($1,307) without spending more than 30% of income takes $25.13 an hour full time, or $52,280 a year.
Who qualifies for Section 8 in Christian County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $46,900 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 Christian 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 $1,176 and $1,438 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Christian County?
For 2 bedrooms they run from $1,220 in 42215 to $1,310 in 42262. 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 Christian County?
HUD lists 21 properties with homes for low-income households in Christian County: tax-credit apartments (LIHTC) and HUD-assisted buildings. 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 Christian County?
HUD counts rent as a burden when it reaches 30% of income or more. In Christian County, 46% of renter households are in that position; in Kentucky, 45%, and nationwide, 51% (Average 2020–2024, Census).