Kendall 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).

$1,6502-bedroom FMR, FY2027

$1,2851-bedroom FMR, FY2027

$106,80080% income limit, family of 4 (FY2026)

$139,700Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Kendall County is $1,650 a month, unchanged from FY2026. Kendall County belongs to the Kendall County, TX 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 Kendall County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,276	$1,301	−1.9%	$1,149 – $1,403
1 bedroom	$1,285	$1,311	−2.0%	$1,157 – $1,413
2 bedrooms	$1,650	$1,650	±0.0%	$1,485 – $1,815
3 bedrooms	$2,285	$2,176	+5.0%	$2,057 – $2,513
4 bedrooms	$2,470	$2,185	+13.0%	$2,223 – $2,717

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 Kendall County that is typically $1,485 to $1,815 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?

$51,210median income of renter households

$1,606Median gross rent, all units

38%Rent-to-income ratio (median rent ÷ median renter income)

55%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $51,210 can afford about $1,280 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,650 is $370 (28.9%) more than that. To rent a two-bedroom at the FMR, a household needs $66,000 a year under the 30% rule, or $59,400 under the common landlord rule that income must be three times the rent.

Kendall County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,606 ±$77
Median income of renter households	$51,210 ±$3,348
Renters paying 30% or more of income (cost-burdened)	55.3% ±8.8
Renters paying 50% or more (severely cost-burdened)	36.7% ±8.6
Renter households (where the share can be computed)	3,398

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,196	$1,606	+34.3%
Median renter household income	$53,030	$51,210	−3.4%
Renters paying 30%+ of income	41.1%	55.3%	+14.2 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 $1,190 to $1,730 depending on the ZIP code.

All 9 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
78004	$1,210	$1,270	$1,580	$2,120	$2,370
78006	$1,310	$1,340	$1,700	$2,340	$2,550
78013	$1,180	$1,180	$1,490	$1,960	$1,970
78015	$1,330	$1,380	$1,730	$2,330	$2,590
78027	$1,180	$1,180	$1,490	$2,020	$2,210
78070	$1,080	$1,170	$1,410	$1,830	$2,120
78074	$1,280	$1,280	$1,650	$2,280	$2,470
78606	$910	$920	$1,190	$1,650	$1,720
78624	$1,210	$1,220	$1,600	$1,960	$2,300

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

HUD income limits for Kendall County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $139,700 (FY2025: $144,700, −3.5%). 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%)	$29,350 −3.0%	$33,550 −2.9%	$37,750 −2.8%	$41,900 −2.9%	$45,300 −2.9%	$48,650 −2.9%	$52,000 −2.9%	$55,720 −2.2%
Very low income (50%)	$48,900 −3.0%	$55,900 −3.0%	$62,900 −2.9%	$69,850 −2.9%	$75,450 −3.0%	$81,050 −2.9%	$86,650 −2.9%	$92,250 −2.9%
Low income (80%)	$74,800 +2.5%	$85,450 +2.5%	$96,150 +2.5%	$106,800 +2.5%	$115,350 +2.5%	$123,900 +2.5%	$132,450 +2.5%	$141,000 +2.5%

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.