HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Armstrong County, Texas (FY 2026)
$1,106 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Armstrong County, and it's the baseline every voucher in Armstrong is measured against.
2 bedroom FMR
$1,106
FY 2026, utilities included
Payment standard range
$995 to $1,217
90% to 110% of FMR
Income to afford 2BR
$44,240
per year, at 30% of income
Rank in Texas
97th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Armstrong moves to $1,107. That's unchanged. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Armstrong actually rent for?
Search any address in Armstrong 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 | $778 | $700 to $856 | $31,120 | $14.96/hr | -4.3% |
| 1 bedroom | $903 | $813 to $993 | $36,120 | $17.37/hr | -5.1% |
| 2 bedroom | $1,106 | $995 to $1,217 | $44,240 | $21.27/hr | -4.5% |
| 3 bedroom | $1,503 | $1,353 to $1,653 | $60,120 | $28.90/hr | -5.6% |
| 4 bedroom | $1,742 | $1,568 to $1,916 | $69,680 | $33.50/hr | -5.7% |
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 | $2,003 | $1,803 to $2,203 |
| 6 bedroom Estimate | $2,265 | $2,039 to $2,492 |
| 7 bedroom Estimate | $2,526 | $2,273 to $2,779 |
| 8 bedroom Estimate | $2,787 | $2,508 to $3,066 |
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 Armstrong, that runs from $778 for a studio up to $1,742 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Armstrong in with 3 other counties in the Amarillo metro, Randall County, Potter County, Carson County among them, and every one of them gets $1,106 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among Texas's 254 counties, Armstrong ranks 97th for two-bedroom FMR. That's about 5% above the state median of $1,054 and about 9% above the national median county at $1,018. About 1,912 people live here, 235th in the state.
Counties sharing the Amarillo metro rate
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 2 ZIP codes it covers in Armstrong, the two-bedroom rate is $1,050 across the board, so there's no ZIP-level story here.
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 Armstrong somewhere between $995 and $1,217. 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.
$1,106 a month is affordable, by HUD's 30% rule, on an income of roughly $44,240 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% ($995) | HAP at 100% ($1,106) | HAP at 110% ($1,217) |
|---|---|---|---|---|
| $2,500 | $750 | $245 | $356 | $467 |
| $4,000 | $1,200 | $0 | $0 | $17 |
Rate history
The two-bedroom rate went down 4% from FY 2025 ($1,158) to FY 2026 ($1,106). Since FY 2020 it's up 27% in total, about 4.0% a year. The Texas median moved up 7% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $596 | $675 | $872 | $1,192 | $1,334 | — |
| FY 2021 | $629 | $705 | $906 | $1,236 | $1,406 | +3.9% |
| FY 2022 | $621 | $713 | $908 | $1,230 | $1,421 | +0.2% |
| FY 2023 | $670 | $778 | $972 | $1,322 | $1,542 | +7.0% |
| FY 2024 | $754 | $879 | $1,082 | $1,482 | $1,728 | +11.3% |
| FY 2025 | $813 | $952 | $1,158 | $1,592 | $1,848 | +7.0% |
| FY 2026 | $778 | $903 | $1,106 | $1,503 | $1,742 | -4.5% |
| FY 2027 | $797 | $904 | $1,107 | $1,512 | $1,678 | +0.1% |
Nearby counties
Questions people ask
$1,106 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $778 for a studio, $903 for one bedroom, $1,503 for three and $1,742 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 Armstrong actually go for?
HUD's number is one input. Search any address in Armstrong for a rent estimate built from nearby comps. 3 free searches, no card.
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