How much will Section 8 pay for rent in Clay County?

Up to the housing authority's payment standard, which it sets between 90% and 110% of FMR. For a two-bedroom that's $1,031 to $1,260. The voucher covers the gap between that standard and about 30% of the tenant's income, and it never pays more than the unit would rent for without a voucher.

Does Clay County have its own Fair Market Rent?

No. It uses the Wichita Falls metro rate, shared with 2 other counties. HUD sets one FMR for the whole metro area, so Clay gets the same $1,145 two-bedroom figure as Wichita County.

Why does my ZIP code show a different Fair Market Rent than Clay County?

HUD publishes a second set of numbers, Small Area FMRs, for individual ZIP codes. In Clay those run from $1,030 to $1,180 for a two-bedroom. Housing authorities in metros HUD has designated for Small Area FMRs use the ZIP rate. The rest use the county rate. Your PHA can tell you which one applies.

When do the next Fair Market Rents for Clay County come out?

HUD usually publishes the new fiscal year's rates in late August or September, and they take effect October 1. This page updates as soon as the new Texas figures are loaded.

HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027

Fair Market Rent in Clay County, Texas (FY 2027)

$1,145 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Clay County, and it's the baseline every voucher in Clay is measured against.

Two-bedroom FMR

$1,145

+0.8% from FY 2026

Payment standard

$1,031–$1,260

90% to 110% of the FMR, two-bedroom

Income to afford

$45,800

a year, with rent at 30% of income

Rank in Texas

101st 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	$839	$755–$923	$33,560	$16.13/hr	+1.0%
1 bedroom	$949	$854–$1,044	$37,960	$18.25/hr	+2.6%
2 bedroom	$1,145	$1,031–$1,260	$45,800	$22.02/hr	+0.8%
3 bedroom	$1,542	$1,388–$1,696	$61,680	$29.65/hr	-0.7%
4 bedroom	$1,740	$1,566–$1,914	$69,600	$33.46/hr	-1.1%

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	$2,001	$1,801–$2,201
6 bedroom Estimate	$2,262	$2,036–$2,488
7 bedroom Estimate	$2,523	$2,271–$2,775
8 bedroom Estimate	$2,784	$2,506–$3,062

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 Clay actually rent for?

Search any address in Clay for a rent estimate built from nearby comps, with the HUD figure right next to it.

No card needed

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 Clay somewhere between $1,031 and $1,260. 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.

$1,145 a month is affordable, by HUD's 30% rule, on an income of roughly $45,800 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%$1,031	Voucher pays at 100%$1,145	Voucher pays at 110%$1,260
$2,500	$750	$281	$395	$510
$4,000	$1,200	$0	$0	$60

Run your own numbers in the Section 8 rent calculator

Rate history

The two-bedroom rate went up 1% from FY 2026 ($1,136) to FY 2027 ($1,145). Since FY 2020 it's up 46% in total, about 5.6% 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	$525	$605	$784	$1,079	$1,308	—
FY 2021	$585	$656	$832	$1,136	$1,346	+6.1%
FY 2022	$641	$707	$878	$1,197	$1,362	+5.5%
FY 2023	$712	$771	$943	$1,274	$1,459	+7.4%
FY 2024	$800	$843	$1,037	$1,418	$1,611	+10.0%
FY 2025	$823	$896	$1,102	$1,506	$1,709	+6.3%
FY 2026	$831	$925	$1,136	$1,553	$1,759	+3.1%
FY 2027In effect	$839	$949	$1,145	$1,542	$1,740	+0.8%

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 Clay, that runs from $839 for a studio up to $1,740 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 Clay in with 2 other counties in the Wichita Falls metro, Wichita County, Archer County among them, and every one of them gets $1,145 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, Clay ranks 101st for two-bedroom FMR. That's about 4% above the state median of $1,105 and about 8% above the national median county at $1,063. About 10,495 people live here, 161st in the state.

Rates by ZIP code

Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,030 in 76352 (Bluegrove) and $1,180 in 76228 (Bellevue), with the 5 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
76228	Bellevue	$1,180	+3.1%
76352	Bluegrove	$1,030	-10.0%
76357	Byers	$1,030	-10.0%
76365	Henrietta	$1,030	-10.0%
76377	Petrolia	$1,030	-10.0%

Counties sharing the Wichita Falls metro rate

HUD sets one rate for the whole metro, so every county here carries the same $1,145 two-bedroom figure as Clay.

Wichita County

129,996 people

$1,145

Archer County

8,867 people

$1,145

Nearby counties

Two-bedroom FMR, with how each compares to Clay.

Wichita County

22 mi · 129,996 people

$1,145

same rate

Archer County

28 mi · 8,867 people

$1,145

same rate

Montague County

30 mi · 21,046 people

$1,088

-5%

Jack County

46 mi · 8,882 people

$1,022

-11%

Young County

51 mi · 18,029 people

$1,053

-8%

Wise County

56 mi · 75,005 people

$1,164

+2%

Cooke County

57 mi · 43,046 people

$1,314

+15%

Baylor County

62 mi · 3,485 people

$1,014

-11%

Questions people ask

$1,145 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $839 for a studio, $949 for one bedroom, $1,542 for three and $1,740 for four.

Tools for this county

All Texas counties All states

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

Fair Market Rent in Clay County, Texas (FY 2027)

FY 2027 Fair Market Rents

HUD's number is one input. What does a two-bedroom in Clay actually rent for?

What a voucher pays here

Rate history

About this rate

Rates by ZIP code

Counties sharing the Wichita Falls metro rate

Nearby counties

Questions people ask

Tools for this county

What does a rental in Clay actually go for?