FY2027 Small Area FMR · Panola, TX

ZIP 75685 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 75685 (Panola, TX) is $1,060 a month, up 6.0% from FY2026. That is 0% equal to the Panola County, TX area-wide FMR of $1,060.

2-bedroom SAFMR$1,060per month ▲ 6.0%

Area-wide 2 BR FMR$1,060Panola County, TX

Rank in the area9thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$954

2 BR Small Area FMR$1,060

110% of SAFMR$1,166

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

Studio$810▲ 6.6%

1 BR$810▲ 6.6%

2 BR$1,060▲ 6.0%

3 BR$1,280▲ 3.2%

4 BR$1,530▲ 6.2%

FY2027 FY2026

Where 75685 sits in the Panola County, TX area

Of the 15 ZIP codes HUD lists for the area, 75685 has the 9th highest two-bedroom Small Area FMR. Panola 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 $1,060 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,060 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	$810	$729 – $891	$806	$760
1 bedroom	$810	$729 – $891	$810	$760
2 bedrooms	$1,060	$954 – $1,166	$1,060	$1,000
3 bedrooms	$1,280	$1,152 – $1,408	$1,281	$1,240
4 bedrooms	$1,530	$1,377 – $1,683	$1,527	$1,440

A household renting a two-bedroom home at the Small Area FMR of $1,060 needs about $42,400 a year to keep housing costs at 30% of income. The area median family income is $90,400 and the 80% low-income limit for four people is $72,300. ZIP code 75685 lies mainly in Panola County. See the Panola County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
71007	Bethany	4.9 mi	$1,000
75642	Elysian Fields	5.1 mi	$1,270
71033	Greenwood	6.0 mi	$1,000
75639	De Berry	6.4 mi	$1,140
75692	Waskom	8.0 mi	$1,380
75659	Jonesville	10.4 mi	$1,380

Questions

What is the Fair Market Rent for ZIP code 75685?

HUD's FY2027 Small Area Fair Market Rents for 75685 are $810 (studio), $810 (1 BR), $1,060 (2 BR), $1,280 (3 BR) and $1,530 (4 BR) a month.

What is the Section 8 payment standard in 75685?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 75685 that range is $954 to $1,166 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 75685?

The FY2026 income limits of the Panola County, TX area apply: median family income $90,400, low-income (80%) limit $72,300 for a family of four.