HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Wood County, Texas (FY 2026)
A two-bedroom in Wood County carries a FY 2026 Fair Market Rent of $1,022 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Wood keys off that figure.
2 bedroom FMR
$1,022
FY 2026, utilities included
Payment standard range
$920 to $1,124
90% to 110% of FMR
Income to afford 2BR
$40,880
per year, at 30% of income
Rank in Texas
142nd of 254
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Wood moves to $1,019. That's unchanged. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Wood actually rent for?
Search any address in Wood 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 | $705 | $635 to $776 | $28,200 | $13.56/hr | +2.5% |
| 1 bedroom | $814 | $733 to $895 | $32,560 | $15.65/hr | +6.4% |
| 2 bedroom | $1,022 | $920 to $1,124 | $40,880 | $19.65/hr | +1.9% |
| 3 bedroom | $1,260 | $1,134 to $1,386 | $50,400 | $24.23/hr | +4.2% |
| 4 bedroom | $1,398 | $1,258 to $1,538 | $55,920 | $26.88/hr | -6.8% |
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 | $1,608 | $1,447 to $1,769 |
| 6 bedroom Estimate | $1,817 | $1,635 to $1,999 |
| 7 bedroom Estimate | $2,027 | $1,824 to $2,230 |
| 8 bedroom Estimate | $2,237 | $2,013 to $2,461 |
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 Wood, that runs from $705 for a studio up to $1,398 for four bedrooms, all five rates in the table above.
Because Wood 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, Golden included.
Among Texas's 254 counties, Wood ranks 142nd for two-bedroom FMR. That's about 3% below the state median of $1,054 and within a couple percent of the national median county at $1,018. About 45,341 people live here, 76th 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 75444 (Golden) and $1,200 in 75773 (Mineola), 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 Wood somewhere between $920 and $1,124. 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.
$1,022 a month is affordable, by HUD's 30% rule, on an income of roughly $40,880 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% ($920) | HAP at 100% ($1,022) | HAP at 110% ($1,124) |
|---|---|---|---|---|
| $2,500 | $750 | $170 | $272 | $374 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 2% from FY 2025 ($1,003) to FY 2026 ($1,022). Since FY 2020 it's up 35% in total, about 5.2% 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 | $561 | $579 | $756 | $1,006 | $1,327 | — |
| FY 2021 | $589 | $609 | $803 | $1,032 | $1,195 | +6.2% |
| FY 2022 | $652 | $657 | $864 | $1,068 | $1,262 | +7.6% |
| FY 2023 | $633 | $719 | $947 | $1,153 | $1,393 | +9.6% |
| FY 2024 | $740 | $831 | $1,092 | $1,320 | $1,623 | +15.3% |
| FY 2025 | $688 | $765 | $1,003 | $1,209 | $1,500 | -8.2% |
| FY 2026 | $705 | $814 | $1,022 | $1,260 | $1,398 | +1.9% |
| FY 2027 | $710 | $862 | $1,019 | $1,294 | $1,439 | -0.3% |
Nearby counties
Questions people ask
$1,022 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $705 for a studio, $814 for one bedroom, $1,260 for three and $1,398 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 Wood actually go for?
HUD's number is one input. Search any address in Wood for a rent estimate built from nearby comps. 3 free searches, no card.
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