HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in San Saba County, Texas (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in San Saba County is $1,031 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,031
FY 2026, utilities included
Payment standard range
$928 to $1,134
90% to 110% of FMR
Income to afford 2BR
$41,240
per year, at 30% of income
Rank in Texas
139th of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in San Saba moves to $1,140. 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 San Saba actually rent for?
Search any address in San Saba 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 | $781 | $703 to $859 | $31,240 | $15.02/hr | +9.5% |
| 1 bedroom | $786 | $707 to $865 | $31,440 | $15.12/hr | +9.5% |
| 2 bedroom | $1,031 | $928 to $1,134 | $41,240 | $19.83/hr | +9.4% |
| 3 bedroom | $1,288 | $1,159 to $1,417 | $51,520 | $24.77/hr | +6.1% |
| 4 bedroom | $1,517 | $1,365 to $1,669 | $60,680 | $29.17/hr | +7.7% |
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 | $1,745 | $1,571 to $1,920 |
| 6 bedroom Estimate | $1,972 | $1,775 to $2,169 |
| 7 bedroom Estimate | $2,200 | $1,980 to $2,420 |
| 8 bedroom Estimate | $2,427 | $2,184 to $2,670 |
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 San Saba, that runs from $781 for a studio up to $1,517 for four bedrooms, all five rates in the table above.
Because San Saba 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, Cherokee included.
Among Texas's 254 counties, San Saba ranks 139th for two-bedroom FMR. That's about 2% below the state median of $1,054 and within a couple percent of the national median county at $1,018. About 5,779 people live here, 193rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,030 in 76832 (Cherokee) and $1,040 in 76871 (Richland Springs), with the 3 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 San Saba somewhere between $928 and $1,134. 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.
$1,031 a month is affordable, by HUD's 30% rule, on an income of roughly $41,240 a year. Put another way, $20 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% ($928) | HAP at 100% ($1,031) | HAP at 110% ($1,134) |
|---|---|---|---|---|
| $2,500 | $750 | $178 | $281 | $384 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($942) to FY 2026 ($1,031). Since FY 2020 it's up 44% in total, about 6.3% 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 | $529 | $542 | $714 | $977 | $1,074 | — |
| FY 2021 | $538 | $557 | $734 | $918 | $1,085 | +2.8% |
| FY 2022 | $609 | $625 | $823 | $1,017 | $1,202 | +12.1% |
| FY 2023 | $692 | $697 | $918 | $1,117 | $1,350 | +11.5% |
| FY 2024 | $771 | $776 | $1,020 | $1,233 | $1,516 | +11.1% |
| FY 2025 | $713 | $718 | $942 | $1,214 | $1,409 | -7.6% |
| FY 2026 | $781 | $786 | $1,031 | $1,288 | $1,517 | +9.4% |
| FY 2027 | $867 | $907 | $1,140 | $1,382 | $1,642 | +10.6% |
Nearby counties
Questions people ask
$1,031 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $781 for a studio, $786 for one bedroom, $1,288 for three and $1,517 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 San Saba actually go for?
HUD's number is one input. Search any address in San Saba for a rent estimate built from nearby comps. 3 free searches, no card.
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