Renting · Section 8
Data from November 2026
Renting in Daviess County, Kentucky
Daviess County has a HUD fair market rent of $1,138 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $918 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $21.88 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,138
- a month, HUD, Fiscal year 2027
- 1% less than in Kentucky
- Typical rent
- $918
- a month, Census, Average 2020–2024
- 5% less than in Kentucky
- Wage needed
- $21.88
- an hour, 2 bedrooms
- Or $45,520 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 42%
- spend 30% or more of income on rent
- 8% less than in Kentucky
Only here
Renting in Daviess County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Daviess County has the highest typical rent in its area: $918, more than any of its 6 neighboring counties; next is Webster County ($783).
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 Daviess 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 Daviess County was $1,252 a month in September 2026: 3.1% 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 | $864 | $16.62 | $34,560 |
| 1 bedroom | $870 | $16.73 | $34,800 |
| 2 bedrooms | $1,138 | $21.88 | $45,520 |
| 3 bedrooms | $1,507 | $28.98 | $60,280 |
| 4 bedrooms | $1,516 | $29.15 | $60,640 |
HUD area: Owensboro, KY MSA. 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 Daviess County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,000 in 42355 to $1,230 in 42303. 4 ZIP codes are above the county's fair market rent ($1,138).
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)
| 42301 | Henderson County, KY | $900 | $910 | $1,190 | $1,580 | $1,590 |
|---|---|---|---|---|---|---|
| 42301 | Owensboro, KY | $900 | $910 | $1,190 | $1,580 | $1,590 |
| 42303 | Owensboro, KY | $930 | $940 | $1,230 | $1,630 | $1,640 |
| 42355 | Owensboro, KY | $760 | $770 | $1,000 | $1,320 | $1,330 |
| 42356 | Owensboro, KY | $900 | $910 | $1,190 | $1,580 | $1,590 |
| 42366 | Hancock County, KY | $850 | $860 | $1,120 | $1,480 | $1,490 |
| 42366 | Ohio County, KY | $850 | $860 | $1,120 | $1,480 | $1,490 |
| 42366 | Owensboro, KY | $850 | $860 | $1,120 | $1,480 | $1,490 |
| 42376 | Ohio County, KY | $780 | $790 | $1,040 | $1,370 | $1,420 |
| 42376 | Owensboro, KY | $780 | $790 | $1,040 | $1,370 | $1,420 |
- 42301 · Henderson County, KY $1,190$1,580
- 42301 · Owensboro, KY $1,190$1,580
- 42303 · Owensboro, KY $1,230$1,630
- 42355 · Owensboro, KY $1,000$1,320
- 42356 · Owensboro, KY $1,190$1,580
- 42366 · Hancock County, KY $1,120$1,480
- 42366 · Ohio County, KY $1,120$1,480
- 42366 · Owensboro, KY $1,120$1,480
- 42376 · Ohio County, KY $1,040$1,370
- 42376 · Owensboro, KY $1,040$1,370
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 Daviess County, 42% 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.
42%
of renter households spend 30% or more of their income on rent.
13,298 households rent in Daviess County
- Spend half or more of their income 19%
- Spend 30% or more, but less than half 23%
- Spend less than 30% 58%
Compared with the state and the country
- Daviess 42%
- Kentucky 45%
- United States 51%
Low-income apartments
Low-income apartments in Daviess County
HUD lists 21 properties with homes for low-income households in Daviess County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 10
- HUD-assisted
- 11
1,358 homes in all; 1,235 of them low-income, according to HUD.
- Roosevelt House I & II HUD-assisted 2920 Yale Pl, Owensboro 42301 231 low-income homes · For older adults · (270) 926-1666
- Lee Manor Apartments HUD-assisted 1651 W 4th St, Owensboro 42301 115 low-income homes · For older adults · (270) 683-7598
- Lincolnshire North Apartments HUD-assisted 1001 Pennbrooke Ave, Owensboro 42301 108 low-income homes · For families · (270) 686-1674
- Lincolnshire HUD-assisted 1001 Pennbrooke Ave, Owensboro 42301 100 low-income homes · For families · (270) 686-1674
- Greentree Apartments HUD-assisted 1209 W 7th St, Owensboro 42301 98 low-income homes · For families · (270) 683-0664
- Old Hartford Hills Apartments HUD-assisted 1305 Burlew Blvd, Owensboro 42303 80 homes, 79 low-income · For families · (270) 684-8924
- Collyns Estates Tax credit (LIHTC) Professional Park Drive, Owensboro 42303 72 low-income homes · 1 bd: 24 · 2 bd: 48 · In service since 2018 · For families
- Garden Grace Tax credit (LIHTC) Friendship DR., Owensboro 42303 62 low-income homes · 1 bd: 54 · 2 bd: 8 · In service since 2006 · For older adults
- The Learning Villa Scholar House Tax credit (LIHTC) 18th Street, Owensboro 42303 56 low-income homes · 2 bd: 56 · In service since 2008
- Garden Grace Apts., LLC HUD-assisted 2401 Friendship Dr, Owensboro 42303 54 low-income homes · For older adults · (270) 683-5066
- Sisson Manor Apts HUD-assisted 2900 Dixiana Ct, Owensboro 42303 48 low-income homes · For older adults · (270) 683-5587
- Park Regency HUD-assisted 5058 Back Square Dr, Owensboro 42301 102 homes, 41 low-income · For older adults · (270) 686-8600
- Owensboro Regional Recovery Tax credit (LIHTC) Veach Road, Owensboro 42303 38 low-income homes · 1 bd: 38 · In service since 2009
- Horizon Place Tax credit (LIHTC) East 18th Street, Owensboro 42303 34 low-income homes · 2 bd: 34 · In service since 2009 · For older adults
- Owensboro Historic Residences Tax credit (LIHTC) E. 9th Street / 630 Clay Street, Owensboro 42303 29 low-income homes · 1 bd: 5 · 2 bd: 24 · In service since 2018 · For families
- Independence Heights Tax credit (LIHTC) Strawbridge Place, Owensboro 42303 25 homes, 24 low-income · 2 bd: 24 · 3 bd: 1 · In service since 2009
- Cottages of Mechanicsville Tax credit (LIHTC) W. 10th Street, Owensboro 42301 22 low-income homes · 3 bd: 22 · In service since 2013 · For families
- River Valley Behavioral Health HUD-assisted 1508 Frederica St, Owensboro 42301 12 low-income homes · For people with disabilities · (270) 689-6626
- Gardendale Addition HUD-assisted PO Box 397, Owensboro 42302 8 low-income homes · For families · (270) 683-4752
- Baptist Town Estates Tax credit (LIHTC) Orchard ST., Owensboro 42301 4 low-income homes · 3 bd: 14 · In service since 2001
- Presidents Place Tax credit (LIHTC) Friendship Drive, Owensboro 42303 60 homes · 1 bd: 30 · 2 bd: 30 · In service since 2011 · For older adults
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 Daviess 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 Daviess 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 | $19,400 | $32,250 | $51,600 |
| 2 people | $22,150 | $36,850 | $59,000 |
| 3 people | $27,320 | $41,450 | $66,350 |
| 4 people | $33,000 | $46,050 | $73,700 |
| 5 people | $38,680 | $49,750 | $79,600 |
| 6 people | $44,360 | $53,450 | $85,500 |
| 7 people | $50,040 | $57,150 | $91,400 |
| 8 people | $55,720 | $60,800 | $97,300 |
Area median income: $92,100. HUD income limits by family size, Fiscal year 2026. Area: Owensboro, KY MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $778 – $950
- 1 bedroom $783 – $957
- 2 bedrooms $1,024 – $1,252
- 3 bedrooms $1,356 – $1,658
- 4 bedrooms $1,364 – $1,668
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 Owensboro Public housing and Section 8 vouchers · 874 vouchers (270) 683-5365 Housing Authority of Owensboro: shauna@owensborohousing.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 Daviess County
This HUD-approved agency has an office in Daviess 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 Daviess 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
$2,276
What you need before you get the keys.
What adds up
- First month
- $1,138
- Security deposit
- $1,138
- Total
- $2,276
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 Daviess County?
According to HUD (Fiscal year 2027): Studio: $864; 1 bedroom: $870; 2 bedrooms: $1,138; 3 bedrooms: $1,507; 4 bedrooms: $1,516. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Daviess County?
Paying the 2-bedroom fair market rent ($1,138) without spending more than 30% of income takes $21.88 an hour full time, or $45,520 a year.
Who qualifies for Section 8 in Daviess County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $46,050 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 Daviess 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 $1,024 and $1,252 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Daviess County?
For 2 bedrooms they run from $1,000 in 42355 to $1,230 in 42303. 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 Daviess County?
HUD lists 21 properties with homes for low-income households in Daviess 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 Daviess County?
HUD counts rent as a burden when it reaches 30% of income or more. In Daviess County, 42% of renter households are in that position; in Kentucky, 45%, and nationwide, 51% (Average 2020–2024, Census).