Texas · FIPS 48423 · HUD FY 2027
Smith County, Texas Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Smith County is $1,277 a month (rent plus utilities), 14% below the Texas average of $1,488 and 27% below the U.S. average of $1,761. That is down $61 (4.6%) from FY 2026. At 30% of income, a household needs about $51,080 a year to afford it.
- $1,2772-bedroom FMR−$61 (−4.6%) vs FY 2026
- $1,0411-bedroom FMRTexas: $1,247 · U.S.: $1,478
- $51,080Income for a 2-bedroom$25/hour full-time
- 54 of 2542BR rank in Texas1 = highest rent
| Unit | Smith County FY 2027 | FY 2026 | Change | Texas avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $948 | $984 | −$36 (−3.7%) | $1,192 | $1,379 | $37,920 |
| 1 bedroom | $1,041 | $1,089 | −$48 (−4.4%) | $1,247 | $1,478 | $41,640 |
| 2 bedrooms | $1,277 | $1,338 | −$61 (−4.6%) | $1,488 | $1,761 | $51,080 |
| 3 bedrooms | $1,718 | $1,793 | −$75 (−4.2%) | $1,939 | $2,266 | $68,720 |
| 4 bedrooms | $1,855 | $1,981 | −$126 (−6.4%) | $2,341 | $2,607 | $74,200 |
How Smith County compares
- HUD sets this rent for the Tyler, TX metro FMR area, which covers 241,740 residents in 1 county.
- Across Texas, 2-bedroom FMRs run from $1,014 (Zavala County) to $1,817 (Bastrop County).
- Studio to 4-bedroom: $948, $1,041, $1,277, $1,718, $1,855. 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 15 ZIP codes mostly in Smith County (by land area), the 2-bedroom figure ranges from $1,210 to $1,720.
Small Area FMRs by ZIP code in Smith County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 75701 | $990 | $1,090 | $1,340 | $1,800 | $1,950 | −$30 (−2.2%) | 5% above |
| 75702 | $890 | $990 | $1,210 | $1,620 | $1,790 | +$10 (+0.8%) | 5% below |
| 75703 | $1,070 | $1,170 | $1,440 | $1,940 | $2,090 | −$70 (−4.6%) | 13% above |
| 75704 | $920 | $1,010 | $1,240 | $1,670 | $1,800 | −$20 (−1.6%) | 3% below |
| 75705 | $1,260 | $1,400 | $1,720 | $2,310 | $2,550 | −$190 (−9.9%) | 35% above |
| 75706 | $890 | $990 | $1,210 | $1,620 | $1,790 | +$10 (+0.8%) | 5% below |
| 75707 | $1,110 | $1,210 | $1,490 | $2,000 | $2,160 | −$70 (−4.5%) | 17% above |
| 75708 | $890 | $990 | $1,210 | $1,620 | $1,790 | +$10 (+0.8%) | 5% below |
| 75709 | $970 | $1,070 | $1,310 | $1,750 | $1,940 | −$140 (−9.7%) | 3% above |
| 75711 | $990 | $1,090 | $1,340 | $1,800 | $1,950 | −$30 (−2.2%) | 5% above |
| 75750 | $890 | $990 | $1,210 | $1,620 | $1,790 | +$10 (+0.8%) | 5% below |
| 75762 | $970 | $1,070 | $1,310 | $1,760 | $1,900 | −$80 (−5.8%) | 3% above |
| 75771 | $1,050 | $1,150 | $1,410 | $1,900 | $2,050 | −$60 (−4.1%) | 10% above |
| 75791 | $1,170 | $1,280 | $1,570 | $2,110 | $2,280 | −$80 (−4.8%) | 23% above |
| 75792 | $890 | $990 | $1,210 | $1,620 | $1,790 | −$100 (−7.6%) | 5% below |
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.