Texas · FIPS 48297 · HUD FY 2027
Live Oak County, Texas Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Live Oak County is $1,115 a month (rent plus utilities), 25% below the Texas average of $1,488 and 37% below the U.S. average of $1,761. That is up $82 (7.9%) from FY 2026. At 30% of income, a household needs about $44,600 a year to afford it.
- $1,1152-bedroom FMR+$82 (+7.9%) vs FY 2026
- $8521-bedroom FMRTexas: $1,247 · U.S.: $1,478
- $44,600Income for a 2-bedroom$21/hour full-time
- 119 of 2542BR rank in Texas1 = highest rent
| Unit | Live Oak County FY 2027 | FY 2026 | Change | Texas avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $848 | $782 | +$66 (+8.4%) | $1,192 | $1,379 | $33,920 |
| 1 bedroom | $852 | $787 | +$65 (+8.3%) | $1,247 | $1,478 | $34,080 |
| 2 bedrooms | $1,115 | $1,033 | +$82 (+7.9%) | $1,488 | $1,761 | $44,600 |
| 3 bedrooms | $1,329 | $1,314 | +$15 (+1.1%) | $1,939 | $2,266 | $53,160 |
| 4 bedrooms | $1,639 | $1,547 | +$92 (+5.9%) | $2,341 | $2,607 | $65,560 |
How Live Oak County compares
- Live Oak County is a non-metro county, so HUD sets one Fair Market Rent for the whole county.
- Across Texas, 2-bedroom FMRs run from $1,014 (Zavala County) to $1,817 (Bastrop County).
- Studio to 4-bedroom: $848, $852, $1,115, $1,329, $1,639. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 4 ZIP codes mostly in Live Oak County (by land area), the 2-bedroom figure ranges from $1,100 to $1,230.
Small Area FMRs by ZIP code in Live Oak County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 78022 | $830 | $860 | $1,100 | $1,370 | $1,570 | +$50 (+4.8%) | 1% below |
| 78071 | $840 | $850 | $1,110 | $1,330 | $1,630 | +$90 (+8.8%) | about the same as |
| 78075 | $840 | $860 | $1,100 | $1,330 | $1,600 | +$60 (+5.8%) | 1% below |
| 78383 | $930 | $1,010 | $1,230 | $1,620 | $1,850 | −$30 (−2.4%) | 10% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.