Texas · FIPS 48365 · HUD FY 2027
Panola County, Texas Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Panola County is $1,060 a month (rent plus utilities), 29% below the Texas average of $1,488 and 40% below the U.S. average of $1,761. That is up $65 (6.5%) from FY 2026. At 30% of income, a household needs about $42,400 a year to afford it.
- $1,0602-bedroom FMR+$65 (+6.5%) vs FY 2026
- $8101-bedroom FMRTexas: $1,247 · U.S.: $1,478
- $42,400Income for a 2-bedroom$20/hour full-time
- 174 of 2542BR rank in Texas1 = highest rent
| Unit | Panola County FY 2027 | FY 2026 | Change | Texas avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $806 | $753 | +$53 (+7.0%) | $1,192 | $1,379 | $32,240 |
| 1 bedroom | $810 | $758 | +$52 (+6.9%) | $1,247 | $1,478 | $32,400 |
| 2 bedrooms | $1,060 | $995 | +$65 (+6.5%) | $1,488 | $1,761 | $42,400 |
| 3 bedrooms | $1,281 | $1,235 | +$46 (+3.7%) | $1,939 | $2,266 | $51,240 |
| 4 bedrooms | $1,527 | $1,434 | +$93 (+6.5%) | $2,341 | $2,607 | $61,080 |
How Panola County compares
- Panola 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: $806, $810, $1,060, $1,281, $1,527. 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 6 ZIP codes mostly in Panola County (by land area), the 2-bedroom figure ranges from $1,060 to $1,270.
Small Area FMRs by ZIP code in Panola County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 75631 | $900 | $900 | $1,180 | $1,430 | $1,700 | +$120 (+11.3%) | 11% above |
| 75633 | $810 | $810 | $1,060 | $1,310 | $1,480 | +$60 (+6.0%) | same |
| 75639 | $850 | $880 | $1,140 | $1,380 | $1,590 | no change | 8% above |
| 75642 | $890 | $970 | $1,270 | $1,520 | $1,680 | −$30 (−2.3%) | 20% above |
| 75643 | $810 | $820 | $1,060 | $1,300 | $1,540 | +$80 (+8.2%) | same |
| 75669 | $820 | $880 | $1,120 | $1,390 | $1,560 | +$60 (+5.7%) | 6% 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.