HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Concho County, Texas (FY 2026)
$1,153 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Concho County, and it's the baseline every voucher in Concho is measured against.
2 bedroom FMR
$1,153
FY 2026, utilities included
Payment standard range
$1,038 to $1,268
90% to 110% of FMR
Income to afford 2BR
$46,120
per year, at 30% of income
Rank in Texas
78th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Concho moves to $1,131. That's down 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Concho actually rent for?
Search any address in Concho 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 | $896 | $806 to $986 | $35,840 | $17.23/hr | +4.6% |
| 1 bedroom | $922 | $830 to $1,014 | $36,880 | $17.73/hr | +4.8% |
| 2 bedroom | $1,153 | $1,038 to $1,268 | $46,120 | $22.17/hr | +5.6% |
| 3 bedroom | $1,500 | $1,350 to $1,650 | $60,000 | $28.85/hr | +14.0% |
| 4 bedroom | $1,696 | $1,526 to $1,866 | $67,840 | $32.62/hr | +3.9% |
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 | $1,950 | $1,755 to $2,145 |
| 6 bedroom Estimate | $2,205 | $1,985 to $2,426 |
| 7 bedroom Estimate | $2,459 | $2,213 to $2,705 |
| 8 bedroom Estimate | $2,714 | $2,443 to $2,985 |
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 Concho, that runs from $896 for a studio up to $1,696 for four bedrooms, all five rates in the table above.
Because Concho 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, Eden included.
Among Texas's 254 counties, Concho ranks 78th for two-bedroom FMR. That's about 9% above the state median of $1,054 and about 13% above the national median county at $1,018. About 3,235 people live here, 220th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,150 in 76837 (Eden) and $1,310 in 76937 (Eola), 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.
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 Concho somewhere between $1,038 and $1,268. 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.
$1,153 a month is affordable, by HUD's 30% rule, on an income of roughly $46,120 a year. Put another way, $22 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% ($1,038) | HAP at 100% ($1,153) | HAP at 110% ($1,268) |
|---|---|---|---|---|
| $2,500 | $750 | $288 | $403 | $518 |
| $4,000 | $1,200 | $0 | $0 | $68 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,092) to FY 2026 ($1,153). Since FY 2020 it's up 37% in total, about 5.4% 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 | $639 | $664 | $840 | $1,108 | $1,331 | — |
| FY 2021 | $619 | $640 | $844 | $1,050 | $1,248 | +0.5% |
| FY 2022 | $693 | $743 | $937 | $1,236 | $1,368 | +11.0% |
| FY 2023 | $777 | $821 | $1,031 | $1,352 | $1,517 | +10.0% |
| FY 2024 | $925 | $957 | $1,188 | $1,436 | $1,766 | +15.2% |
| FY 2025 | $857 | $880 | $1,092 | $1,316 | $1,633 | -8.1% |
| FY 2026 | $896 | $922 | $1,153 | $1,500 | $1,696 | +5.6% |
| FY 2027 | $860 | $900 | $1,131 | $1,461 | $1,629 | -1.9% |
Nearby counties
Questions people ask
$1,153 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $896 for a studio, $922 for one bedroom, $1,500 for three and $1,696 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 Concho actually go for?
HUD's number is one input. Search any address in Concho for a rent estimate built from nearby comps. 3 free searches, no card.
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