Texas · FIPS 48307 · HUD FY 2027
McCulloch County, Texas Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in McCulloch County is $1,067 a month (rent plus utilities), 28% below the Texas average of $1,488 and 39% below the U.S. average of $1,761. That is up $22 (2.1%) from FY 2026. At 30% of income, a household needs about $42,680 a year to afford it.
- $1,0672-bedroom FMR+$22 (+2.1%) vs FY 2026
- $8161-bedroom FMRTexas: $1,247 · U.S.: $1,478
- $42,680Income for a 2-bedroom$21/hour full-time
- 170 of 2542BR rank in Texas1 = highest rent
| Unit | McCulloch County FY 2027 | FY 2026 | Change | Texas avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $811 | $812 | −$1 (−0.1%) | $1,192 | $1,379 | $32,440 |
| 1 bedroom | $816 | $863 | −$47 (−5.4%) | $1,247 | $1,478 | $32,640 |
| 2 bedrooms | $1,067 | $1,045 | +$22 (+2.1%) | $1,488 | $1,761 | $42,680 |
| 3 bedrooms | $1,271 | $1,360 | −$89 (−6.5%) | $1,939 | $2,266 | $50,840 |
| 4 bedrooms | $1,537 | $1,538 | −$1 (−0.1%) | $2,341 | $2,607 | $61,480 |
How McCulloch County compares
- McCulloch 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: $811, $816, $1,067, $1,271, $1,537. 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 5 ZIP codes mostly in McCulloch County (by land area), the 2-bedroom figure ranges from $1,060 to $1,190.
Small Area FMRs by ZIP code in McCulloch County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 76825 | $810 | $810 | $1,060 | $1,260 | $1,530 | +$20 (+1.9%) | 1% below |
| 76836 | $810 | $830 | $1,070 | $1,350 | $1,540 | +$20 (+1.9%) | about the same as |
| 76852 | $810 | $830 | $1,070 | $1,350 | $1,540 | +$20 (+1.9%) | about the same as |
| 76872 | $900 | $920 | $1,190 | $1,420 | $1,710 | +$120 (+11.2%) | 12% above |
| 76887 | $830 | $840 | $1,090 | $1,300 | $1,570 | +$50 (+4.8%) | 2% 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.