HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Fannin County, Texas (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Fannin County is $985 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$985
FY 2026, utilities included
Payment standard range
$887 to $1,084
90% to 110% of FMR
Income to afford 2BR
$39,400
per year, at 30% of income
Rank in Texas
181st of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Fannin moves to $1,093. That's up 11%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Fannin actually rent for?
Search any address in Fannin 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 | $679 | $611 to $747 | $27,160 | $13.06/hr | -4.9% |
| 1 bedroom | $751 | $676 to $826 | $30,040 | $14.44/hr | +4.5% |
| 2 bedroom | $985 | $887 to $1,084 | $39,400 | $18.94/hr | +4.5% |
| 3 bedroom | $1,370 | $1,233 to $1,507 | $54,800 | $26.35/hr | +3.7% |
| 4 bedroom | $1,652 | $1,487 to $1,817 | $66,080 | $31.77/hr | +4.3% |
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 | $1,900 | $1,710 to $2,090 |
| 6 bedroom Estimate | $2,148 | $1,933 to $2,363 |
| 7 bedroom Estimate | $2,395 | $2,156 to $2,635 |
| 8 bedroom Estimate | $2,643 | $2,379 to $2,907 |
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 Fannin, that runs from $679 for a studio up to $1,652 for four bedrooms, all five rates in the table above.
Because Fannin 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, Bailey included.
Among Texas's 254 counties, Fannin ranks 181st for two-bedroom FMR. That's about 7% below the state median of $1,054 and about 3% below the national median county at $1,018. About 36,052 people live here, 86th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $970 in 75418 (Bonham) and $1,450 in 75490 (Trenton), with the 15 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 |
|---|---|---|---|
| 75413 | Bailey | $1,110 | +12.7% |
| 75418 | Bonham | $970 | -1.5% |
| 75438 | Dodd City | $990 | +0.5% |
| 75439 | Ector | $1,020 | +3.6% |
| 75443 | Gober | $990 | +0.5% |
| 75446 | Honey Grove | $970 | -1.5% |
| 75447 | Ivanhoe | $970 | -1.5% |
| 75449 | Ladonia | $1,120 | +13.7% |
| 75452 | Leonard | $1,080 | +9.6% |
| 75475 | Randolph | $1,160 | +17.8% |
| 75476 | Ravenna | $970 | -1.5% |
| 75479 | Savoy | $1,210 | +22.8% |
| 75488 | Telephone | $970 | -1.5% |
| 75490 | Trenton | $1,450 | +47.2% |
| 75492 | Windom | $990 | +0.5% |
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 Fannin somewhere between $887 and $1,084. 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.
$985 a month is affordable, by HUD's 30% rule, on an income of roughly $39,400 a year. Put another way, $19 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% ($887) | HAP at 100% ($985) | HAP at 110% ($1,084) |
|---|---|---|---|---|
| $2,500 | $750 | $137 | $235 | $334 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 4% from FY 2025 ($943) to FY 2026 ($985). Since FY 2020 it's up 33% in total, about 4.8% 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 | $550 | $563 | $742 | $1,039 | $1,133 | — |
| FY 2021 | $565 | $585 | $771 | $1,089 | $1,129 | +3.9% |
| FY 2022 | $607 | $623 | $820 | $1,165 | $1,235 | +6.4% |
| FY 2023 | $661 | $666 | $877 | $1,246 | $1,406 | +7.0% |
| FY 2024 | $754 | $759 | $997 | $1,405 | $1,665 | +13.7% |
| FY 2025 | $714 | $719 | $943 | $1,321 | $1,584 | -5.4% |
| FY 2026 | $679 | $751 | $985 | $1,370 | $1,652 | +4.5% |
| FY 2027 | $761 | $836 | $1,093 | $1,511 | $1,827 | +11.0% |
Nearby counties
Questions people ask
$985 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $679 for a studio, $751 for one bedroom, $1,370 for three and $1,652 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 Fannin actually go for?
HUD's number is one input. Search any address in Fannin for a rent estimate built from nearby comps. 3 free searches, no card.
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