FY2027 Small Area FMR · Sumner, TX
ZIP 75486 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 75486 (Sumner, TX) is $1,240 a month, down 9.5% from FY2026. That is 13% above the Fannin County, TX area-wide FMR of $1,093.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 75486 sits in the Fannin County, TX area
Of the 22 ZIP codes HUD lists for the area, 75486 has the 4th highest two-bedroom Small Area FMR. Fannin County, TX is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,093 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,240 for this ZIP code instead.
ZIP code 75486 crosses more than one HUD area. HUD also lists it under Lamar County, TX (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $970 | $873 – $1,067 | $761 | $1,070 |
| 1 bedroom | $1,000 | $900 – $1,100 | $836 | $1,110 |
| 2 bedrooms | $1,240 | $1,116 – $1,364 | $1,093 | $1,370 |
| 3 bedrooms | $1,640 | $1,476 – $1,804 | $1,511 | $1,820 |
| 4 bedrooms | $1,690 | $1,521 – $1,859 | $1,827 | $1,870 |
A household renting a two-bedroom home at the Small Area FMR of $1,240 needs about $49,600 a year to keep housing costs at 30% of income. The area median family income is $89,400 and the 80% low-income limit for four people is $71,500. ZIP code 75486 lies mainly in Lamar County. See the Fannin County, TX county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 75486?
HUD's FY2027 Small Area Fair Market Rents for 75486 are $970 (studio), $1,000 (1 BR), $1,240 (2 BR), $1,640 (3 BR) and $1,690 (4 BR) a month.
What is the Section 8 payment standard in 75486?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 75486 that range is $1,116 to $1,364 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 75486?
The FY2026 income limits of the Fannin County, TX area apply: median family income $89,400, low-income (80%) limit $71,500 for a family of four.