Lubbock 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).

$1,2412-bedroom FMR, FY2027

$1,0501-bedroom FMR, FY2027

$71,70080% income limit, family of 4 (FY2026)

$90,900Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Lubbock County is $1,241 a month, up 5.6% from $1,175 in FY2026. Lubbock County belongs to the Lubbock, 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 Lubbock County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$893	$818	+9.2%	$804 – $982
1 bedroom	$1,050	$990	+6.1%	$945 – $1,155
2 bedrooms	$1,241	$1,175	+5.6%	$1,117 – $1,365
3 bedrooms	$1,718	$1,634	+5.1%	$1,547 – $1,889
4 bedrooms	$2,053	$1,940	+5.8%	$1,848 – $2,258

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 Lubbock County that is typically $1,117 to $1,365 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?

$42,035median income of renter households

$1,178Median gross rent, all units

34%Rent-to-income ratio (median rent ÷ median renter income)

54%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $42,035 can afford about $1,051 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,241 is $190 (18.1%) more than that. To rent a two-bedroom at the FMR, a household needs $49,640 a year under the 30% rule, or $44,676 under the common landlord rule that income must be three times the rent.

Lubbock County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,178 ±$17
Median income of renter households	$42,035 ±$1,840
Renters paying 30% or more of income (cost-burdened)	54.4% ±2.2
Renters paying 50% or more (severely cost-burdened)	31.6% ±1.7
Renter households (where the share can be computed)	52,307

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$940	$1,178	+25.3%
Median renter household income	$32,893	$42,035	+27.8%
Renters paying 30%+ of income	54.8%	54.4%	−0.4 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 $1,060 to $1,470 depending on the ZIP code.

All 42 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
79235	$770	$900	$1,060	$1,480	$1,750
79243	$820	$900	$1,080	$1,480	$1,750
79250	$740	$920	$1,060	$1,480	$1,750
79311	$740	$910	$1,060	$1,480	$1,750
79313	$860	$900	$1,060	$1,480	$1,750
79322	$740	$900	$1,060	$1,480	$1,750
79329	$740	$900	$1,060	$1,480	$1,750
79343	$740	$900	$1,060	$1,480	$1,750
79350	$760	$900	$1,060	$1,480	$1,750
79356	$790	$920	$1,090	$1,510	$1,810
79357	$740	$900	$1,060	$1,480	$1,750
79358	$970	$980	$1,140	$1,580	$1,890
79363	$880	$1,030	$1,220	$1,690	$2,020
79364	$780	$920	$1,090	$1,510	$1,800
79366	$820	$990	$1,180	$1,640	$1,930
79370	$790	$900	$1,060	$1,480	$1,750
79381	$740	$900	$1,060	$1,480	$1,750
79382	$1,060	$1,240	$1,470	$2,040	$2,430
79401	$830	$980	$1,160	$1,610	$1,920
79402	$890	$1,050	$1,240	$1,720	$2,050
79403	$760	$900	$1,060	$1,480	$1,750
79404	$790	$930	$1,100	$1,520	$1,820
79406	$880	$1,030	$1,220	$1,690	$2,010
79407	$900	$1,050	$1,240	$1,710	$2,050
79408	$890	$1,050	$1,240	$1,720	$2,050
79409	$890	$1,050	$1,240	$1,720	$2,050
79410	$1,040	$1,220	$1,440	$1,990	$2,380
79411	$760	$900	$1,060	$1,480	$1,750
79412	$780	$920	$1,090	$1,510	$1,800
79413	$1,040	$1,220	$1,440	$1,990	$2,380
79414	$880	$1,030	$1,220	$1,690	$2,020
79415	$760	$900	$1,060	$1,480	$1,750
79416	$980	$1,150	$1,360	$1,880	$2,250
79423	$1,010	$1,180	$1,400	$1,940	$2,320
79424	$900	$1,060	$1,250	$1,730	$2,070
79430	$890	$1,050	$1,240	$1,720	$2,050
79452	$890	$1,050	$1,240	$1,720	$2,050
79453	$890	$1,050	$1,240	$1,720	$2,050
79464	$890	$1,050	$1,240	$1,720	$2,050
79490	$890	$1,050	$1,240	$1,720	$2,050
79493	$890	$1,050	$1,240	$1,720	$2,050
79499	$890	$1,050	$1,240	$1,720	$2,050

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

HUD income limits for Lubbock County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $90,900 (FY2025: $80,000, +13.6%). 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%)	$18,850 +9.9%	$21,640 +2.3%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +3.6%
Very low income (50%)	$31,400 +10.0%	$35,850 +10.0%	$40,350 +9.9%	$44,800 +9.9%	$48,400 +9.9%	$52,000 +9.9%	$55,600 +10.0%	$59,150 +9.9%
Low income (80%)	$50,200 +10.0%	$57,400 +10.0%	$64,550 +10.0%	$71,700 +10.0%	$77,450 +9.9%	$83,200 +10.0%	$88,900 +10.0%	$94,650 +9.9%

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.