Texas · FIPS 48429 · HUD FY 2027

Stephens County, Texas Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Stephens County is $1,014 a month (rent plus utilities), 32% below the Texas average of $1,488 and 42% below the U.S. average of $1,761. That is down $1 (0.1%) from FY 2026. At 30% of income, a household needs about $40,560 a year to afford it.

$1,0142-bedroom FMR−$1 (−0.1%) vs FY 2026
$9311-bedroom FMRTexas: $1,247 · U.S.: $1,478
$40,560Income for a 2-bedroom$20/hour full-time
193 of 2542BR rank in Texas1 = highest rent

Can you afford the Fair Market Rent here?

Uses the common 30%-of-gross-income guideline. Results update as you type and stay in your browser.

Household income ($ per year, before tax)

Default: the income a 2-bedroom here needs at 30%.

Unit size

Rent you can afford at 30% of income$1,014/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
Stephens County FMR	$1,014	$40,560	–
Texas average	$1,488	$59,528	–
U.S. average	$1,761	$70,432	–

Stephens County Fair Market Rents, FY 2027 vs FY 2026, with state and U.S. averages
Unit	Stephens County FY 2027	FY 2026	Change	Texas avg	U.S. avg	Income needed
Studio	$771	$789	−$18 (−2.3%)	$1,192	$1,379	$30,840
1 bedroom	$931	$811	+$120 (+14.8%)	$1,247	$1,478	$37,240
2 bedrooms	$1,014	$1,015	−$1 (−0.1%)	$1,488	$1,761	$40,560
3 bedrooms	$1,310	$1,321	−$11 (−0.8%)	$1,939	$2,266	$52,400
4 bedrooms	$1,461	$1,493	−$32 (−2.1%)	$2,341	$2,607	$58,440

How Stephens County compares

Stephens 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: $771, $931, $1,014, $1,310, $1,461. 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 2 ZIP codes mostly in Stephens County (by land area), the 2-bedroom figure ranges from $1,010 to $1,040.

Small Area FMRs by ZIP code in Stephens County

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, ZIP codes in Stephens County
ZIP	Studio	1BR	2BR	3BR	4BR	2BR vs FY 2026	2BR vs area FMR
76424	$770	$930	$1,010	$1,320	$1,470	no change	about the same as
76429	$790	$890	$1,040	$1,400	$1,620	+$40 (+4.0%)	3% 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.

All Texas counties · How HUD sets these rents