Bowie County, TX: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,1182-bedroom FMR, FY2027

$8741-bedroom FMR, FY2027

$66,95080% income limit, family of 4 (FY2026)

$78,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Bowie County is $1,118 a month, up 1.5% from $1,101 in FY2026. Bowie County belongs to the Texarkana, TX-Texarkana, AR HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Bowie County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$839	$859	−2.3%	$756 – $922
1 bedroom	$874	$868	+0.7%	$787 – $961
2 bedrooms	$1,118	$1,101	+1.5%	$1,007 – $1,229
3 bedrooms	$1,403	$1,369	+2.5%	$1,263 – $1,543
4 bedrooms	$1,683	$1,657	+1.6%	$1,515 – $1,851

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Bowie County that is typically $1,007 to $1,229 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$40,048median income of renter households

$988Median gross rent, all units

30%Rent-to-income ratio (median rent ÷ median renter income)

51%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $40,048 can afford about $1,001 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,118 is $117 (11.7%) more than that. To rent a two-bedroom at the FMR, a household needs $44,720 a year under the 30% rule, or $40,248 under the common landlord rule that income must be three times the rent.

Bowie County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$988 ±$24
Median income of renter households	$40,048 ±$4,118
Renters paying 30% or more of income (cost-burdened)	51.0% ±4.9
Renters paying 50% or more (severely cost-burdened)	21.6% ±3.5
Renter households (where the share can be computed)	11,402

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$761	$988	+29.8%
Median renter household income	$32,931	$40,048	+21.6%
Renters paying 30%+ of income	49.0%	51.0%	+2.0 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $1,010 to $1,340 depending on the ZIP code.

All 20 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
71834	$850	$890	$1,110	$1,450	$1,630
71837	$950	$990	$1,260	$1,580	$1,900
71838	$780	$930	$1,010	$1,380	$1,500
71839	$780	$790	$1,010	$1,280	$1,540
71840	$800	$840	$1,070	$1,340	$1,610
71845	$780	$930	$1,010	$1,240	$1,500
71854	$800	$830	$1,060	$1,330	$1,600
75501	$830	$860	$1,100	$1,380	$1,660
75503	$1,010	$1,050	$1,340	$1,680	$2,020
75504	$860	$890	$1,140	$1,430	$1,720
75505	$860	$890	$1,140	$1,430	$1,720
75554	$780	$800	$1,010	$1,390	$1,670
75556	$890	$890	$1,170	$1,620	$1,690
75559	$780	$790	$1,010	$1,280	$1,540
75561	$860	$900	$1,150	$1,440	$1,730
75567	$780	$790	$1,010	$1,280	$1,540
75569	$800	$830	$1,060	$1,330	$1,600
75570	$780	$790	$1,010	$1,280	$1,540
75573	$860	$890	$1,140	$1,430	$1,720
75574	$780	$800	$1,030	$1,320	$1,590

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Bowie County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $78,300 (FY2025: $71,500, +9.5%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$17,600 +5.4%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,250 +5.3%
Very low income (50%)	$29,300 +5.4%	$33,500 +5.3%	$37,700 +5.5%	$41,850 +5.4%	$45,200 +5.4%	$48,550 +5.3%	$51,900 +5.4%	$55,250 +5.3%
Low income (80%)	$46,900 +5.5%	$53,600 +5.5%	$60,300 +5.5%	$66,950 +5.4%	$72,350 +5.5%	$77,700 +5.4%	$83,050 +5.5%	$88,400 +5.4%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.