HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Callahan County, Texas (FY 2026)
$1,276 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Callahan County, and it's the baseline every voucher in Callahan is measured against.
2 bedroom FMR
$1,276
FY 2026, utilities included
Payment standard range
$1,148 to $1,404
90% to 110% of FMR
Income to afford 2BR
$51,040
per year, at 30% of income
Rank in Texas
46th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Callahan moves to $1,310. That's up 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Callahan actually rent for?
Search any address in Callahan 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 | $1,010 | $909 to $1,111 | $40,400 | $19.42/hr | +7.0% |
| 1 bedroom | $1,020 | $918 to $1,122 | $40,800 | $19.62/hr | +7.4% |
| 2 bedroom | $1,276 | $1,148 to $1,404 | $51,040 | $24.54/hr | +5.7% |
| 3 bedroom | $1,653 | $1,488 to $1,818 | $66,120 | $31.79/hr | +5.2% |
| 4 bedroom | $1,987 | $1,788 to $2,186 | $79,480 | $38.21/hr | +4.6% |
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 | $2,285 | $2,057 to $2,514 |
| 6 bedroom Estimate | $2,583 | $2,325 to $2,841 |
| 7 bedroom Estimate | $2,881 | $2,593 to $3,169 |
| 8 bedroom Estimate | $3,179 | $2,861 to $3,497 |
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 Callahan, that runs from $1,010 for a studio up to $1,987 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 Callahan in with 2 other counties in the Abilene metro, Taylor County, Jones County among them, and every one of them gets $1,276 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, Callahan ranks 46th for two-bedroom FMR. That's about 21% above the state median of $1,054 and about 25% above the national median county at $1,018. About 13,869 people live here, 144th in the state.
Counties sharing the Abilene metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,090 in 76443 (Cross Plains) and $1,150 in 79510 (Clyde), with the 4 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 Callahan somewhere between $1,148 and $1,404. 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.
$1,276 a month is affordable, by HUD's 30% rule, on an income of roughly $51,040 a year. Put another way, $25 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% ($1,148) | HAP at 100% ($1,276) | HAP at 110% ($1,404) |
|---|---|---|---|---|
| $2,500 | $750 | $398 | $526 | $654 |
| $4,000 | $1,200 | $0 | $76 | $204 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,207) to FY 2026 ($1,276). Since FY 2020 it's up 48% in total, about 6.7% 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 | $631 | $655 | $863 | $1,134 | $1,464 | — |
| FY 2021 | $707 | $733 | $955 | $1,285 | $1,639 | +10.7% |
| FY 2022 | $688 | $732 | $945 | $1,288 | $1,598 | -1.0% |
| FY 2023 | $732 | $779 | $1,006 | $1,360 | $1,649 | +6.5% |
| FY 2024 | $860 | $876 | $1,117 | $1,488 | $1,789 | +11.0% |
| FY 2025 | $944 | $950 | $1,207 | $1,571 | $1,899 | +8.1% |
| FY 2026 | $1,010 | $1,020 | $1,276 | $1,653 | $1,987 | +5.7% |
| FY 2027 | $958 | $1,047 | $1,310 | $1,702 | $2,013 | +2.7% |
Nearby counties
Questions people ask
$1,276 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,010 for a studio, $1,020 for one bedroom, $1,653 for three and $1,987 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 Callahan actually go for?
HUD's number is one input. Search any address in Callahan for a rent estimate built from nearby comps. 3 free searches, no card.
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