Oldham 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).

$1,0652-bedroom FMR, FY2027

$8701-bedroom FMR, FY2027

$69,85080% income limit, family of 4 (FY2026)

$87,300Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Oldham County is $1,065 a month, down 3.3% from $1,101 in FY2026. Oldham County belongs to the Oldham 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 Oldham County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$767	$774	−0.9%	$691 – $843
1 bedroom	$870	$899	−3.2%	$783 – $957
2 bedrooms	$1,065	$1,101	−3.3%	$959 – $1,171
3 bedrooms	$1,475	$1,499	−1.6%	$1,328 – $1,622
4 bedrooms	$1,614	$1,734	−6.9%	$1,453 – $1,775

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 Oldham County that is typically $959 to $1,171 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?

$56,875median income of renter households

$1,111Median gross rent, all units

23%Rent-to-income ratio (median rent ÷ median renter income)

48%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $56,875 can afford about $1,422 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,065 is $357 (25.1%) less than that. To rent a two-bedroom at the FMR, a household needs $42,600 a year under the 30% rule, or $38,340 under the common landlord rule that income must be three times the rent.

Oldham County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,111 ±$122
Median income of renter households	$56,875 ±$21,762
Renters paying 30% or more of income (cost-burdened)	47.7% ±13.6
Renters paying 50% or more (severely cost-burdened)	27.5% ±12.8
Renter households (where the share can be computed)	109

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$780	$1,111	+42.4%
Median renter household income	$64,500	$56,875	−11.8%

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 $1,020 to $1,370 depending on the ZIP code.

All 6 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
79001	$790	$890	$1,100	$1,490	$1,650
79010	$830	$920	$1,140	$1,550	$1,700
79018	$800	$820	$1,020	$1,350	$1,570
79092	$770	$870	$1,060	$1,460	$1,610
79098	$810	$910	$1,130	$1,500	$1,690
88430	$1,050	$1,060	$1,370	$1,770	$2,100

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

HUD income limits for Oldham County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $87,300 (FY2025: $89,700, −2.7%). 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%)	$18,350 −0.5%	$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 +2.9%
Very low income (50%)	$30,600 −0.2%	$34,950 −0.3%	$39,300 −0.3%	$43,650 −0.3%	$47,150 −0.4%	$50,650 −0.3%	$54,150 −0.3%	$57,650 −0.3%
Low income (80%)	$48,900 −0.3%	$55,900 −0.3%	$62,900 −0.2%	$69,850 −0.3%	$75,450 −0.3%	$81,050 −0.3%	$86,650 −0.3%	$92,250 −0.3%

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.