HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Erath County, Texas (FY 2026)
$1,179 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Erath County, and it's the baseline every voucher in Erath is measured against.
2 bedroom FMR
$1,179
FY 2026, utilities included
Payment standard range
$1,061 to $1,297
90% to 110% of FMR
Income to afford 2BR
$47,160
per year, at 30% of income
Rank in Texas
69th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Erath moves to $1,260. That's up 7%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Erath actually rent for?
Search any address in Erath 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 | $893 | $804 to $982 | $35,720 | $17.17/hr | +11.2% |
| 1 bedroom | $899 | $809 to $989 | $35,960 | $17.29/hr | +11.1% |
| 2 bedroom | $1,179 | $1,061 to $1,297 | $47,160 | $22.67/hr | +11.1% |
| 3 bedroom | $1,640 | $1,476 to $1,804 | $65,600 | $31.54/hr | +10.3% |
| 4 bedroom | $1,913 | $1,722 to $2,104 | $76,520 | $36.79/hr | +7.4% |
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 | $2,200 | $1,980 to $2,420 |
| 6 bedroom Estimate | $2,487 | $2,238 to $2,736 |
| 7 bedroom Estimate | $2,774 | $2,497 to $3,051 |
| 8 bedroom Estimate | $3,061 | $2,755 to $3,367 |
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 Erath, that runs from $893 for a studio up to $1,913 for four bedrooms, all five rates in the table above.
Because Erath 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, Stephenville included.
Among Texas's 254 counties, Erath ranks 69th for two-bedroom FMR. That's about 12% above the state median of $1,054 and about 16% above the national median county at $1,018. About 42,788 people live here, 77th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,170 in 76401 (Stephenville) and $1,210 in 76433 (Bluff Dale), with the 6 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 Erath somewhere between $1,061 and $1,297. 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.
$1,179 a month is affordable, by HUD's 30% rule, on an income of roughly $47,160 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% ($1,061) | HAP at 100% ($1,179) | HAP at 110% ($1,297) |
|---|---|---|---|---|
| $2,500 | $750 | $311 | $429 | $547 |
| $4,000 | $1,200 | $0 | $0 | $97 |
Rate history
The two-bedroom rate went up 11% from FY 2025 ($1,061) to FY 2026 ($1,179). Since FY 2020 it's up 49% in total, about 6.9% 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 | $650 | $654 | $790 | $1,066 | $1,070 | — |
| FY 2021 | $676 | $681 | $837 | $1,131 | $1,135 | +5.9% |
| FY 2022 | $717 | $722 | $875 | $1,182 | $1,187 | +4.5% |
| FY 2023 | $766 | $771 | $949 | $1,349 | $1,485 | +8.5% |
| FY 2024 | $851 | $857 | $1,082 | $1,525 | $1,836 | +14.0% |
| FY 2025 | $803 | $809 | $1,061 | $1,487 | $1,782 | -1.9% |
| FY 2026 | $893 | $899 | $1,179 | $1,640 | $1,913 | +11.1% |
| FY 2027 | $877 | $963 | $1,260 | $1,745 | $1,935 | +6.9% |
Nearby counties
Questions people ask
$1,179 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $893 for a studio, $899 for one bedroom, $1,640 for three and $1,913 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 Erath actually go for?
HUD's number is one input. Search any address in Erath for a rent estimate built from nearby comps. 3 free searches, no card.
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