Renting · Section 8
Data from November 2026
Renting in Pontotoc County, Oklahoma
Pontotoc County has a HUD fair market rent of $982 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $889 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $18.88 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $982
- a month, HUD, Fiscal year 2027
- 13% less than in Oklahoma
- Typical rent
- $889
- a month, Census, Average 2020–2024
- 12% less than in Oklahoma
- Wage needed
- $18.88
- an hour, 2 bedrooms
- Or $39,280 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 38%
- spend 30% or more of income on rent
- 19% less than in Oklahoma
Only here
Renting in Pontotoc County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Pontotoc County has the highest typical rent in its area: $889, more than any of its 6 neighboring counties; next is Murray County ($881).
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 Pontotoc 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 Pontotoc County was $1,028 a month in September 2026: about the same as 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 | $684 | $13.15 | $27,360 |
| 1 bedroom | $751 | $14.44 | $30,040 |
| 2 bedrooms | $982 | $18.88 | $39,280 |
| 3 bedrooms | $1,218 | $23.42 | $48,720 |
| 4 bedrooms | $1,291 | $24.83 | $51,640 |
HUD area: Pontotoc County, OK. 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 14 ZIP codes in Pontotoc County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $920 in 74842 to $1,110 in 74825. 5 ZIP codes are above the county's fair market rent ($982).
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)
| 74820 | Johnston County, OK | $710 | $780 | $1,020 | $1,270 | $1,420 |
|---|---|---|---|---|---|---|
| 74820 | Pontotoc County, OK | $710 | $780 | $1,020 | $1,270 | $1,420 |
| 74825 | Coal County, OK | $800 | $850 | $1,110 | $1,360 | $1,500 |
| 74825 | Hughes County, OK | $800 | $850 | $1,110 | $1,360 | $1,500 |
| 74825 | Pontotoc County, OK | $800 | $850 | $1,110 | $1,360 | $1,500 |
| 74842 | Pontotoc County, OK | $640 | $700 | $920 | $1,140 | $1,220 |
| 74843 | Pontotoc County, OK | $670 | $730 | $950 | $1,180 | $1,270 |
| 74844 | Pontotoc County, OK | $660 | $730 | $950 | $1,180 | $1,250 |
| 74865 | Garvin County, OK | $660 | $700 | $920 | $1,140 | $1,390 |
| 74865 | Murray County, OK | $660 | $700 | $920 | $1,140 | $1,390 |
| 74865 | Pontotoc County, OK | $660 | $700 | $920 | $1,140 | $1,390 |
| 74871 | Coal County, OK | $640 | $730 | $920 | $1,160 | $1,420 |
| 74871 | Johnston County, OK | $640 | $730 | $920 | $1,160 | $1,420 |
| 74871 | Pontotoc County, OK | $640 | $730 | $920 | $1,160 | $1,420 |
- 74820 · Johnston County, OK $1,020$1,270
- 74820 · Pontotoc County, OK $1,020$1,270
- 74825 · Coal County, OK $1,110$1,360
- 74825 · Hughes County, OK $1,110$1,360
- 74825 · Pontotoc County, OK $1,110$1,360
- 74842 · Pontotoc County, OK $920$1,140
- 74843 · Pontotoc County, OK $950$1,180
- 74844 · Pontotoc County, OK $950$1,180
- 74865 · Garvin County, OK $920$1,140
- 74865 · Murray County, OK $920$1,140
- 74865 · Pontotoc County, OK $920$1,140
- 74871 · Coal County, OK $920$1,160
- 74871 · Johnston County, OK $920$1,160
- 74871 · Pontotoc County, OK $920$1,160
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 Pontotoc County, 38% of renter households are in that position; in Oklahoma, 46%, 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.
38%
of renter households spend 30% or more of their income on rent.
5,144 households rent in Pontotoc County
- Spend half or more of their income 18%
- Spend 30% or more, but less than half 20%
- Spend less than 30% 62%
Compared with the state and the country
- Pontotoc 38%
- Oklahoma 46%
- United States 51%
Low-income apartments
Low-income apartments in Pontotoc County
HUD lists 16 properties with homes for low-income households in Pontotoc 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)
- 9
- HUD-assisted
- 5
- public housing
- 2
783 homes in all; 780 of them low-income, according to HUD.
- Ada Housing Authority Public housing 1121 Forrest Ave, Ada 74820 140 low-income homes · Run by Housing Authority of the City of Ada · Average payment: $423 a month · Average wait: 15 months · (580) 436-1613
- Ada Reed Public housing 207 W Cottage St, Ada 74820 135 low-income homes · Run by Housing Authority of the City of Ada · Average payment: $375 a month · Average wait: 2 months · (580) 436-1613
- Rolling Meadows of Ada, LTD. HUD-assisted 1300 Kerr Lab Rd, Ada 74820 60 homes, 58 low-income · For families · (580) 332-2772
- Ada Square Tax credit (LIHTC) 2001 B St, Ada 74820 56 low-income homes · 1 bd: 24 · 2 bd: 32 · In service since 2009 · For people with disabilities
- Cottage Lane Family Residences Tax credit (LIHTC) 1318 Nadine Dr, Ada 74820 52 low-income homes · 1 bd: 38 · 2 bd: 14 · In service since 2016
- Ada Heights Tax credit (LIHTC) 631 W Cottage St, Ada 74820 48 low-income homes · 1 bd: 12 · 2 bd: 25 · 3 bd: 11 · In service since 2011 · For people with disabilities
- Ada Village Apts Tax credit (LIHTC) 1100 Kerr Lab Rd, Ada 74820 44 low-income homes · In service since 1993
- Cottage Lane Apartments, LTD Partnership HUD-assisted 1305 Nadine Dr, Ada 74820 44 low-income homes · For families · (580) 332-1066
- Cottage Lane Apts Tax credit (LIHTC) 1318 Nadine Dr, Ada 74820 44 low-income homes · 1 bd: 32 · 2 bd: 12 · In service since 1997
- Legacy Senior Residences - Ada Tax credit (LIHTC) 2001 N Country Club Rd, Ada 74820 42 low-income homes · 1 bd: 14 · 2 bd: 28 · In service since 2017 · For people with disabilities
- The Linden's of Ada Tax credit (LIHTC) 1301 N Oak Ave, Ada 74820 42 low-income homes · 2 bd: 18 · 3 bd: 24 · In service since 2003 · For people with disabilities, families, people experiencing homelessness
- Ada Meadows Tax credit (LIHTC) 700 W 1st St, Ada 74820 20 low-income homes · 1 bd: 16 · 2 bd: 4 · In service since 2007 · For older adults
- Big Five Ada Housing HUD-assisted 702 W 1st St, Ada 74820 18 low-income homes · For people with disabilities · (580) 332-8368
- Woodlands Apartments HUD-assisted 2820 Arlington St, Ada 74820 16 homes, 15 low-income · For people with disabilities · (580) 436-0051
- Woodlands II HUD-assisted 2820 Arlington St, Ada 74820 14 low-income homes · For people with disabilities · (580) 436-0051
- Concept Housing of Ada Tax credit (LIHTC) 1429 Nadine Dr, Ada 74820 8 low-income homes · In service since 1994
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 Pontotoc 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 Pontotoc 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
-
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 | $17,700 | $29,500 | $47,150 |
| 2 people | $21,640 | $33,700 | $53,900 |
| 3 people | $27,320 | $37,900 | $60,650 |
| 4 people | $33,000 | $42,100 | $67,350 |
| 5 people | $38,680 | $45,500 | $72,750 |
| 6 people | $44,360 | $48,850 | $78,150 |
| 7 people | $50,040 | $52,250 | $83,550 |
| 8 people | $55,600 | $55,600 | $88,950 |
Area median income: $84,200. HUD income limits by family size, Fiscal year 2026. Area: Pontotoc County, OK. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $616 – $752
- 1 bedroom $676 – $826
- 2 bedrooms $884 – $1,080
- 3 bedrooms $1,096 – $1,340
- 4 bedrooms $1,162 – $1,420
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 the City of Ada Public housing and Section 8 vouchers · 114 vouchers · 275 public housing units (580) 436-1613 Housing Authority of the City of Ada: ok024ada@gmail.com
Housing agencies in Oklahoma Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Oklahoma
What Oklahoma 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.
- When must they return my deposit?
- 45 days
- Okla. Stat. tit. 41, §115(B)
- If I fall behind on rent, what notice must I get?
- 5 days
- Okla. Stat. tit. 41, §131(B)
- How much notice ends a month-to-month rental?
- 30 days
- Okla. Stat. tit. 41, §111(A)
Help
Where to get help with rent in Pontotoc County
This HUD-approved agency has an office in Pontotoc County. They counsel for free or at low cost.
-
Chickasaw Nation Division of Housing
111 Rosedale Rd, Ada
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Pontotoc 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 Oklahoma, the average home bill was $132 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
$1,964
What you need before you get the keys.
What adds up
- First month
- $982
- Security deposit
- $982
- Total
- $1,964
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 Pontotoc County?
According to HUD (Fiscal year 2027): Studio: $684; 1 bedroom: $751; 2 bedrooms: $982; 3 bedrooms: $1,218; 4 bedrooms: $1,291. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Pontotoc County?
Paying the 2-bedroom fair market rent ($982) without spending more than 30% of income takes $18.88 an hour full time, or $39,280 a year.
Who qualifies for Section 8 in Pontotoc County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $42,100 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 Pontotoc 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 $884 and $1,080 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Pontotoc County?
For 2 bedrooms they run from $920 in 74842 to $1,110 in 74825. 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 Pontotoc County?
HUD lists 16 properties with homes for low-income households in Pontotoc 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 Pontotoc County?
HUD counts rent as a burden when it reaches 30% of income or more. In Pontotoc County, 38% of renter households are in that position; in Oklahoma, 46%, and nationwide, 51% (Average 2020–2024, Census).