HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Bell County, Texas (FY 2027)
HUD's FY 2027 Fair Market Rent for a two-bedroom in Bell County is $1,138 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
Two-bedroom FMR
$1,138
-7.7% from FY 2026
Payment standard
$1,024–$1,252
90% to 110% of the FMR, two-bedroom
Income to afford
$45,520
a year, with rent at 30% of income
Rank in Texas
108th of 254
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $921 | $829–$1,013 | $36,840 | $17.71/hr | -6.3% |
| 1 bedroom | $927 | $834–$1,020 | $37,080 | $17.83/hr | -6.4% |
| 2 bedroom | $1,138 | $1,024–$1,252 | $45,520 | $21.88/hr | -7.7% |
| 3 bedroom | $1,576 | $1,418–$1,734 | $63,040 | $30.31/hr | -7.9% |
| 4 bedroom | $1,902 | $1,712–$2,092 | $76,080 | $36.58/hr | -8.0% |
Five to eight 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 | $2,187 | $1,968–$2,406 |
| 6 bedroom Estimate | $2,473 | $2,226–$2,720 |
| 7 bedroom Estimate | $2,758 | $2,482–$3,034 |
| 8 bedroom Estimate | $3,043 | $2,739–$3,347 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Bell actually rent for?
Search any address in Bell for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Bell somewhere between $1,024 and $1,252. 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.
$1,138 a month is affordable, by HUD's 30% rule, on an income of roughly $45,520 a year. Put another way, $22 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$1,024 | Voucher pays at 100%$1,138 | Voucher pays at 110%$1,252 |
|---|---|---|---|---|
| $2,500 | $750 | $274 | $388 | $502 |
| $4,000 | $1,200 | $0 | $0 | $52 |
Rate history
The two-bedroom rate went down 8% from FY 2026 ($1,233) to FY 2027 ($1,138). Since FY 2020 it's up 45% in total, about 5.4% a year. The Texas median moved up 5% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $607 | $611 | $785 | $1,132 | $1,378 | — |
| FY 2021 | $635 | $639 | $815 | $1,166 | $1,411 | +3.8% |
| FY 2022 | $637 | $641 | $815 | $1,158 | $1,395 | 0.0% |
| FY 2023 | $749 | $754 | $957 | $1,360 | $1,630 | +17.4% |
| FY 2024 | $895 | $900 | $1,135 | $1,599 | $1,926 | +18.6% |
| FY 2025 | $924 | $930 | $1,172 | $1,631 | $1,968 | +3.3% |
| FY 2026 | $983 | $990 | $1,233 | $1,711 | $2,068 | +5.2% |
| FY 2027In effect | $921 | $927 | $1,138 | $1,576 | $1,902 | -7.7% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Bell, that runs from $921 for a studio up to $1,902 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 Bell in with one other county in the Killeen-Temple metro, Coryell County among them, and every one of them gets $1,138 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, Bell ranks 108th for two-bedroom FMR. That's about 3% above the state median of $1,105 and about 7% above the national median county at $1,063. About 386,897 people live here, 15th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,110 in 76501 (Temple) and $1,670 in 76511 (Bartlett), with the 21 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.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 76501 | Temple | $1,110 | -2.5% |
| 76502 | Temple | $1,380 | +21.3% |
| 76503 | Temple | $1,140 | +0.2% |
| 76504 | Temple | $1,240 | +9.0% |
| 76508 | Temple | $1,138County rate | — |
| 76511 | Bartlett | $1,670 | +46.7% |
| 76513 | Belton | $1,210 | +6.3% |
| 76533 | Heidenheimer | $1,140 | +0.2% |
| 76534 | Holland | $1,120 | -1.6% |
| 76540 | Killeen | $1,140 | +0.2% |
| 76541 | Killeen | $1,110 | -2.5% |
| 76542 | Killeen | $1,230 | +8.1% |
| 76543 | Killeen | $1,110 | -2.5% |
| 76544 | Fort Hood | $1,220 | +7.2% |
| 76547 | Killeen | $1,140 | +0.2% |
| 76548 | Harker Heights | $1,110 | -2.5% |
| 76549 | Killeen | $1,250 | +9.8% |
| 76554 | Little River Academy | $1,250 | +9.8% |
| 76559 | Nolanville | $1,120 | -1.6% |
| 76564 | Pendleton | $1,138County rate | — |
| 76569 | Rogers | $1,110 | -2.5% |
| 76571 | Salado | $1,420 | +24.8% |
| 76579 | Troy | $1,170 | +2.8% |
Counties sharing the Killeen-Temple metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,138 two-bedroom figure as Bell.
Nearby counties
Two-bedroom FMR, with how each compares to Bell.
Coryell County
30 mi · 84,748 people
$1,138
same rate
Williamson County
31 mi · 672,688 people
$1,817
+60%
Falls County
35 mi · 17,291 people
$1,014
-11%
Milam County
35 mi · 25,567 people
$1,126
-1%
McLennan County
40 mi · 266,067 people
$1,297
+14%
Burnet County
42 mi · 52,652 people
$1,349
+19%
Lampasas County
45 mi · 22,715 people
$1,014
-11%
Travis County
53 mi · 1,330,015 people
$1,817
+60%
Questions people ask
$1,138 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $921 for a studio, $927 for one bedroom, $1,576 for three and $1,902 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Bell actually go for?
HUD's number is one input. Search any address in Bell for a rent estimate built from nearby comps. Free to start, no card.
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