HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Crosby County, Texas (FY 2026)
$1,175 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Crosby County, and it's the baseline every voucher in Crosby is measured against.
2 bedroom FMR
$1,175
FY 2026, utilities included
Payment standard range
$1,058 to $1,293
90% to 110% of FMR
Income to afford 2BR
$47,000
per year, at 30% of income
Rank in Texas
70th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Crosby moves to $1,241. That's up 6%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Crosby actually rent for?
Search any address in Crosby 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 | $818 | $736 to $900 | $32,720 | $15.73/hr | -1.7% |
| 1 bedroom | $990 | $891 to $1,089 | $39,600 | $19.04/hr | -1.7% |
| 2 bedroom | $1,175 | $1,058 to $1,293 | $47,000 | $22.60/hr | -1.4% |
| 3 bedroom | $1,634 | $1,471 to $1,797 | $65,360 | $31.42/hr | -1.4% |
| 4 bedroom | $1,940 | $1,746 to $2,134 | $77,600 | $37.31/hr | -0.4% |
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 | $2,231 | $2,008 to $2,454 |
| 6 bedroom Estimate | $2,522 | $2,270 to $2,774 |
| 7 bedroom Estimate | $2,813 | $2,532 to $3,094 |
| 8 bedroom Estimate | $3,104 | $2,794 to $3,414 |
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 Crosby, that runs from $818 for a studio up to $1,940 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 Crosby in with one other county in the Lubbock metro, Lubbock County among them, and every one of them gets $1,175 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, Crosby ranks 70th for two-bedroom FMR. That's about 11% above the state median of $1,054 and about 15% above the national median county at $1,018. About 5,157 people live here, 202nd in the state.
Counties sharing the Lubbock metro rate
Rates by ZIP code
HUD also publishes Small Area FMRs by ZIP code. For the 3 ZIP codes it covers in Crosby, the two-bedroom rate is $1,080 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 Crosby somewhere between $1,058 and $1,293. 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.
$1,175 a month is affordable, by HUD's 30% rule, on an income of roughly $47,000 a year. Put another way, $23 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% ($1,058) | HAP at 100% ($1,175) | HAP at 110% ($1,293) |
|---|---|---|---|---|
| $2,500 | $750 | $308 | $425 | $543 |
| $4,000 | $1,200 | $0 | $0 | $93 |
Rate history
The two-bedroom rate went down 1% from FY 2025 ($1,192) to FY 2026 ($1,175). 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 | $613 | $708 | $858 | $1,238 | $1,506 | — |
| FY 2021 | $637 | $733 | $896 | $1,282 | $1,551 | +4.4% |
| FY 2022 | $670 | $773 | $951 | $1,348 | $1,618 | +6.1% |
| FY 2023 | $726 | $838 | $1,017 | $1,425 | $1,672 | +6.9% |
| FY 2024 | $778 | $931 | $1,113 | $1,551 | $1,829 | +9.4% |
| FY 2025 | $832 | $1,007 | $1,192 | $1,658 | $1,947 | +7.1% |
| FY 2026 | $818 | $990 | $1,175 | $1,634 | $1,940 | -1.4% |
| FY 2027 | $893 | $1,050 | $1,241 | $1,718 | $2,053 | +5.6% |
Nearby counties
Questions people ask
$1,175 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $818 for a studio, $990 for one bedroom, $1,634 for three and $1,940 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 Crosby actually go for?
HUD's number is one input. Search any address in Crosby for a rent estimate built from nearby comps. 3 free searches, no card.
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