HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Palo Pinto County, Texas (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Palo Pinto County is $1,068 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,068
FY 2026, utilities included
Payment standard range
$961 to $1,175
90% to 110% of FMR
Income to afford 2BR
$42,720
per year, at 30% of income
Rank in Texas
118th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Palo Pinto moves to $1,129. 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 Palo Pinto actually rent for?
Search any address in Palo Pinto 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 | $820 | $738 to $902 | $32,800 | $15.77/hr | +7.6% |
| 1 bedroom | $825 | $743 to $908 | $33,000 | $15.87/hr | +7.6% |
| 2 bedroom | $1,068 | $961 to $1,175 | $42,720 | $20.54/hr | +6.2% |
| 3 bedroom | $1,397 | $1,257 to $1,537 | $55,880 | $26.87/hr | +11.0% |
| 4 bedroom | $1,792 | $1,613 to $1,971 | $71,680 | $34.46/hr | +6.1% |
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 | $2,061 | $1,855 to $2,267 |
| 6 bedroom Estimate | $2,330 | $2,097 to $2,563 |
| 7 bedroom Estimate | $2,598 | $2,338 to $2,858 |
| 8 bedroom Estimate | $2,867 | $2,580 to $3,154 |
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 Palo Pinto, that runs from $820 for a studio up to $1,792 for four bedrooms, all five rates in the table above.
Because Palo Pinto 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, Mineral Wells included.
Among Texas's 254 counties, Palo Pinto ranks 118th for two-bedroom FMR. That's within a couple percent of the state median of $1,054 and about 5% above the national median county at $1,018. About 28,569 people live here, 97th 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 76449 (Graford) and $1,090 in 76453 (Gordon), with the 7 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 Palo Pinto somewhere between $961 and $1,175. 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.
$1,068 a month is affordable, by HUD's 30% rule, on an income of roughly $42,720 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% ($961) | HAP at 100% ($1,068) | HAP at 110% ($1,175) |
|---|---|---|---|---|
| $2,500 | $750 | $211 | $318 | $425 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 6% from FY 2025 ($1,006) to FY 2026 ($1,068). Since FY 2020 it's up 39% in total, about 5.6% 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 | $526 | $599 | $771 | $1,031 | $1,227 | — |
| FY 2021 | $559 | $630 | $796 | $1,077 | $1,251 | +3.2% |
| FY 2022 | $580 | $638 | $839 | $1,116 | $1,199 | +5.4% |
| FY 2023 | $636 | $696 | $916 | $1,199 | $1,288 | +9.2% |
| FY 2024 | $795 | $800 | $1,051 | $1,305 | $1,705 | +14.7% |
| FY 2025 | $762 | $767 | $1,006 | $1,259 | $1,689 | -4.3% |
| FY 2026 | $820 | $825 | $1,068 | $1,397 | $1,792 | +6.2% |
| FY 2027 | $858 | $908 | $1,129 | $1,563 | $1,887 | +5.7% |
Nearby counties
Questions people ask
$1,068 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $820 for a studio, $825 for one bedroom, $1,397 for three and $1,792 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 Palo Pinto actually go for?
HUD's number is one input. Search any address in Palo Pinto for a rent estimate built from nearby comps. 3 free searches, no card.
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