HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Texas County, Oklahoma (FY 2026)
$1,116 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Texas County, and it's the baseline every voucher in Texas is measured against.
2 bedroom FMR
$1,116
FY 2026, utilities included
Payment standard range
$1,004 to $1,228
90% to 110% of FMR
Income to afford 2BR
$44,640
per year, at 30% of income
Rank in Oklahoma
11th of 77
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Texas moves to $1,079. That's down 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Texas actually rent for?
Search any address in Texas for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $847 | $762 to $932 | $33,880 | $16.29/hr | +8.3% |
| 1 bedroom | $897 | $807 to $987 | $35,880 | $17.25/hr | +5.8% |
| 2 bedroom | $1,116 | $1,004 to $1,228 | $44,640 | $21.46/hr | +6.4% |
| 3 bedroom | $1,338 | $1,204 to $1,472 | $53,520 | $25.73/hr | +5.9% |
| 4 bedroom | $1,872 | $1,685 to $2,059 | $74,880 | $36.00/hr | +6.2% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $2,153 | $1,938 to $2,368 |
| 6 bedroom Estimate | $2,434 | $2,191 to $2,677 |
| 7 bedroom Estimate | $2,714 | $2,443 to $2,985 |
| 8 bedroom Estimate | $2,995 | $2,696 to $3,295 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Texas, that runs from $847 for a studio up to $1,872 for four bedrooms, all five rates in the table above.
Because Texas sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Adams included.
Among Oklahoma's 77 counties, Texas ranks 11th for two-bedroom FMR. That's about 19% above the state median of $937 and about 10% above the national median county at $1,018. About 21,144 people live here, 39th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $950 in 73944 (Hardesty) and $1,150 in 73942 (Guymon), with the 7 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Texas somewhere between $1,004 and $1,228. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,116 a month is affordable, by HUD's 30% rule, on an income of roughly $44,640 a year. Put another way, $21 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($1,004) | HAP at 100% ($1,116) | HAP at 110% ($1,228) |
|---|---|---|---|---|
| $2,500 | $750 | $254 | $366 | $478 |
| $4,000 | $1,200 | $0 | $0 | $28 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,049) to FY 2026 ($1,116). Since FY 2020 it's up 51% in total, about 7.1% a year. The Oklahoma median moved up 3% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $632 | $650 | $740 | $922 | $1,033 | — |
| FY 2021 | $663 | $679 | $774 | $963 | $1,135 | +4.6% |
| FY 2022 | $674 | $678 | $790 | $991 | $1,220 | +2.1% |
| FY 2023 | $729 | $733 | $871 | $1,061 | $1,484 | +10.3% |
| FY 2024 | $800 | $805 | $990 | $1,197 | $1,680 | +13.7% |
| FY 2025 | $782 | $848 | $1,049 | $1,264 | $1,762 | +6.0% |
| FY 2026 | $847 | $897 | $1,116 | $1,338 | $1,872 | +6.4% |
| FY 2027 | $836 | $894 | $1,079 | $1,286 | $1,685 | -3.3% |
Nearby counties
Questions people ask
$1,116 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $847 for a studio, $897 for one bedroom, $1,338 for three and $1,872 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Texas actually go for?
HUD's number is one input. Search any address in Texas for a rent estimate built from nearby comps. 3 free searches, no card.
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