FY2027 Small Area FMR · Gilmer, TX

ZIP 75645 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 75645 (Gilmer, TX) is $1,240 a month, down 3.1% from FY2026. That is 1% above the Longview, TX area-wide FMR of $1,232.

2-bedroom SAFMR$1,240per month ▼ 3.1%

Area-wide 2 BR FMR$1,232Longview, TX

Rank in the area4thof 25 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,116

2 BR Small Area FMR$1,240

110% of SAFMR$1,364

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,040▼ 2.8%

1 BR$1,050▼ 2.8%

2 BR$1,240▼ 3.1%

3 BR$1,620▼ 5.3%

4 BR$1,720▼ 5.0%

FY2027 FY2026

Where 75645 sits in the Longview, TX area

Of the 25 ZIP codes HUD lists for the area, 75645 has the 4th highest two-bedroom Small Area FMR. Longview, 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 $1,232 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,240 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,040	$936 – $1,144	$1,034	$1,070
1 bedroom	$1,050	$945 – $1,155	$1,041	$1,080
2 bedrooms	$1,240	$1,116 – $1,364	$1,232	$1,280
3 bedrooms	$1,620	$1,458 – $1,782	$1,611	$1,710
4 bedrooms	$1,720	$1,548 – $1,892	$1,712	$1,810

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 $80,600 and the 80% low-income limit for four people is $66,950. ZIP code 75645 lies mainly in Upshur County and Gregg County. See the Longview, TX metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
75644	Gilmer	10.3 mi	$1,150
75693	White Oak	10.7 mi	$1,320
75640	Diana	11.0 mi	$1,330
75605	Longview	11.2 mi	$1,380
75755	Big Sandy	12.3 mi	$1,100
75683	Ore City	12.3 mi	$1,150

Questions

What is the Fair Market Rent for ZIP code 75645?

HUD's FY2027 Small Area Fair Market Rents for 75645 are $1,040 (studio), $1,050 (1 BR), $1,240 (2 BR), $1,620 (3 BR) and $1,720 (4 BR) a month.

What is the Section 8 payment standard in 75645?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 75645 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 75645?

The FY2026 income limits of the Longview, TX area apply: median family income $80,600, low-income (80%) limit $66,950 for a family of four.