HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Kerr County, Texas (FY 2026)
A two-bedroom in Kerr County carries a FY 2026 Fair Market Rent of $1,118 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Kerr keys off that figure.
2 bedroom FMR
$1,118
FY 2026, utilities included
Payment standard range
$1,006 to $1,230
90% to 110% of FMR
Income to afford 2BR
$44,720
per year, at 30% of income
Rank in Texas
90th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Kerr moves to $1,156. That's up 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Kerr actually rent for?
Search any address in Kerr 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 | $869 | $782 to $956 | $34,760 | $16.71/hr | +1.2% |
| 1 bedroom | $965 | $869 to $1,062 | $38,600 | $18.56/hr | +4.3% |
| 2 bedroom | $1,118 | $1,006 to $1,230 | $44,720 | $21.50/hr | +2.1% |
| 3 bedroom | $1,475 | $1,328 to $1,623 | $59,000 | $28.37/hr | -0.9% |
| 4 bedroom | $1,523 | $1,371 to $1,675 | $60,920 | $29.29/hr | -10.0% |
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 | $1,751 | $1,576 to $1,926 |
| 6 bedroom Estimate | $1,980 | $1,782 to $2,178 |
| 7 bedroom Estimate | $2,208 | $1,987 to $2,429 |
| 8 bedroom Estimate | $2,437 | $2,193 to $2,681 |
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 Kerr, that runs from $869 for a studio up to $1,523 for four bedrooms, all five rates in the table above.
Because Kerr 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, Kerrville included.
Among Texas's 254 counties, Kerr ranks 90th for two-bedroom FMR. That's about 6% above the state median of $1,054 and about 10% above the national median county at $1,018. About 52,810 people live here, 63rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,020 in 78025 (Ingram) and $1,270 in 78010 (Center Point), 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 Kerr somewhere between $1,006 and $1,230. 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.
$1,118 a month is affordable, by HUD's 30% rule, on an income of roughly $44,720 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% ($1,006) | HAP at 100% ($1,118) | HAP at 110% ($1,230) |
|---|---|---|---|---|
| $2,500 | $750 | $256 | $368 | $480 |
| $4,000 | $1,200 | $0 | $0 | $30 |
Rate history
The two-bedroom rate went up 2% from FY 2025 ($1,095) to FY 2026 ($1,118). Since FY 2020 it's up 40% in total, about 5.8% 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 | $681 | $701 | $798 | $1,151 | $1,236 | — |
| FY 2021 | $718 | $735 | $838 | $1,199 | $1,233 | +5.0% |
| FY 2022 | $670 | $766 | $906 | $1,253 | $1,338 | +8.1% |
| FY 2023 | $777 | $848 | $1,031 | $1,367 | $1,579 | +13.8% |
| FY 2024 | $902 | $942 | $1,158 | $1,548 | $1,880 | +12.3% |
| FY 2025 | $859 | $925 | $1,095 | $1,488 | $1,692 | -5.4% |
| FY 2026 | $869 | $965 | $1,118 | $1,475 | $1,523 | +2.1% |
| FY 2027 | $879 | $1,026 | $1,156 | $1,513 | $1,519 | +3.4% |
Nearby counties
Questions people ask
$1,118 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $869 for a studio, $965 for one bedroom, $1,475 for three and $1,523 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 Kerr actually go for?
HUD's number is one input. Search any address in Kerr for a rent estimate built from nearby comps. 3 free searches, no card.
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