HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Oldham County, Texas (FY 2026)
$1,101 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Oldham County, and it's the baseline every voucher in Oldham is measured against.
2 bedroom FMR
$1,101
FY 2026, utilities included
Payment standard range
$991 to $1,211
90% to 110% of FMR
Income to afford 2BR
$44,040
per year, at 30% of income
Rank in Texas
105th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Oldham moves to $1,065. That's down 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Oldham actually rent for?
Search any address in Oldham 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 | $774 | $697 to $851 | $30,960 | $14.88/hr | -0.9% |
| 1 bedroom | $899 | $809 to $989 | $35,960 | $17.29/hr | -1.7% |
| 2 bedroom | $1,101 | $991 to $1,211 | $44,040 | $21.17/hr | -1.1% |
| 3 bedroom | $1,499 | $1,349 to $1,649 | $59,960 | $28.83/hr | +8.1% |
| 4 bedroom | $1,734 | $1,561 to $1,907 | $69,360 | $33.35/hr | -2.4% |
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 | $1,994 | $1,795 to $2,193 |
| 6 bedroom Estimate | $2,254 | $2,029 to $2,479 |
| 7 bedroom Estimate | $2,514 | $2,263 to $2,765 |
| 8 bedroom Estimate | $2,774 | $2,497 to $3,051 |
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 Oldham, that runs from $774 for a studio up to $1,734 for four bedrooms, all five rates in the table above.
Oldham is its own HUD metro area (Oldham County, TX), so the rate here is set from rents inside the county rather than a wider region.
Among Texas's 254 counties, Oldham ranks 105th for two-bedroom FMR. That's about 4% above the state median of $1,054 and about 8% above the national median county at $1,018. About 2,171 people live here, 232nd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,070 in 79001 (Adrian) and $1,130 in 79010 (Boys Ranch), with the 4 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 Oldham somewhere between $991 and $1,211. 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.
$1,101 a month is affordable, by HUD's 30% rule, on an income of roughly $44,040 a year. Put another way, $21 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% ($991) | HAP at 100% ($1,101) | HAP at 110% ($1,211) |
|---|---|---|---|---|
| $2,500 | $750 | $241 | $351 | $461 |
| $4,000 | $1,200 | $0 | $0 | $11 |
Rate history
The two-bedroom rate went down 1% from FY 2025 ($1,113) to FY 2026 ($1,101). Since FY 2020 it's up 12% in total, about 1.9% 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 | $673 | $764 | $986 | $1,229 | $1,508 | — |
| FY 2021 | $712 | $798 | $1,025 | $1,275 | $1,591 | +4.0% |
| FY 2022 | $676 | $775 | $988 | $1,221 | $1,546 | -3.6% |
| FY 2023 | $678 | $788 | $984 | $1,198 | $1,561 | -0.4% |
| FY 2024 | $703 | $821 | $1,010 | $1,221 | $1,613 | +2.6% |
| FY 2025 | $781 | $915 | $1,113 | $1,387 | $1,776 | +10.2% |
| FY 2026 | $774 | $899 | $1,101 | $1,499 | $1,734 | -1.1% |
| FY 2027 | $767 | $870 | $1,065 | $1,475 | $1,614 | -3.3% |
Nearby counties
Potter County
$1,10629 mi · pop 117,905
Deaf Smith County
$1,07030 mi · pop 18,585
Randall County
$1,10632 mi · pop 141,489
Hartley County
$1,12933 mi · pop 5,369
Moore County
$1,03848 mi · pop 21,284
Castro County
$1,05053 mi · pop 7,381
Armstrong County
$1,10658 mi · pop 1,912
Hutchinson County
$97358 mi · pop 20,595
Questions people ask
$1,101 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $774 for a studio, $899 for one bedroom, $1,499 for three and $1,734 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 Oldham actually go for?
HUD's number is one input. Search any address in Oldham for a rent estimate built from nearby comps. 3 free searches, no card.
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