Rent in Garrard County, KY at a glance
2-bedroom rent (HUD)
$900$10,800 a year · HUD fiscal year 2026From October 1, 2026: $941 (+4.6%)How much rent can you afford in Garrard County, KY?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
Rent in Garrard County, KY by bedroom, and the pay it takes
Income needed keeps rent at 30% of gross pay; the hourly figure assumes one full-time job, 2,080 hours a year.
| Size | A month | A year | Income needed | Hourly wage needed |
|---|---|---|---|---|
| Studio | $643 | $7,716 | $25,720 | $12.37/hr |
| 1 bedroom | $821 | $9,852 | $32,840 | $15.79/hr |
| 2 bedroomsMost searched | $900 | $10,800 | $36,000 | $17.31/hr |
| 3 bedrooms | $1,156 | $13,872 | $46,240 | $22.23/hr |
| 4 bedrooms | $1,285 | $15,420 | $51,400 | $24.71/hr |
Cost of living in Garrard County, KY: income, prices and a budget →
Living and working in Garrard County, KY
Rent in Garrard County, KY: common questions
How much is rent going up in Garrard County, KY in 2027?
HUD's Fair Market Rent for fiscal 2027, which takes effect October 1, 2026, is $941 for a two-bedroom, up 4.6% from $900. A one-bedroom goes from $821 to $864, a studio from $643 to $672.
These are HUD's estimates of what a typical recently rented unit costs, used for housing vouchers. A landlord's increase on your lease follows your lease and your state's rules, not this figure.
What is the average rent in Garrard County, KY?
HUD's Fair Market Rent for 2026 is $821 for a one-bedroom and $900 for a two-bedroom, utilities included. That is $10,800 a year for the two-bedroom.
It is not an average of current listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so asking rents on newer places usually run higher.
How much do you need to make to afford rent in Garrard County, KY?
To keep a $900 two-bedroom at 30% of gross pay, one full-time worker needs $17.31 an hour, or $36,000 a year. A one-bedroom at $821 takes $15.79 an hour.
How much is a 1, 2 or 3-bedroom apartment in Garrard County, KY?
At HUD's 2026 Fair Market Rent: studio $643, one bedroom $821, two $900, three $1,156 and four $1,285 a month.
Is rent affordable in Garrard County, KY?
For the typical household, earning $63,087 a year ($5,257 a month, Census ACS), a two-bedroom at $900 takes 17.1% of income. Under 30% is the usual line for affordable; this is under it.
How is the income needed for rent worked out?
Rent for a year divided by 0.30, the share of gross income HUD treats as affordable: ($900 × 12) ÷ 0.30 = $36,000. Divided by 2,080 working hours, that is $17.31 an hour.