FY2027 Small Area FMR · Era, TX

ZIP 76238 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 76238 (Era, TX) is $1,510 a month, up 29.1% from FY2026. That is 15% above the Cooke County, TX area-wide FMR of $1,314.

2-bedroom SAFMR$1,510per month ▲ 29.1%

Area-wide 2 BR FMR$1,314Cooke County, TX

Rank in the area4thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,359

2 BR Small Area FMR$1,510

110% of SAFMR$1,661

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

Studio$1,150▲ 29.2%

1 BR$1,150▲ 29.2%

2 BR$1,510▲ 29.1%

3 BR$1,870▲ 28.1%

4 BR$1,980▲ 20.7%

FY2027 FY2026

Where 76238 sits in the Cooke County, TX area

Of the 16 ZIP codes HUD lists for the area, 76238 has the 4th highest two-bedroom Small Area FMR. Cooke 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 $1,314 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,510 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	$1,150	$1,035 – $1,265	$998	$890
1 bedroom	$1,150	$1,035 – $1,265	$1,004	$890
2 bedrooms	$1,510	$1,359 – $1,661	$1,314	$1,170
3 bedrooms	$1,870	$1,683 – $2,057	$1,623	$1,460
4 bedrooms	$1,980	$1,782 – $2,178	$1,727	$1,640

A household renting a two-bedroom home at the Small Area FMR of $1,510 needs about $60,400 a year to keep housing costs at 30% of income. The area median family income is $99,400 and the 80% low-income limit for four people is $79,500. ZIP code 76238 lies mainly in Cooke County. See the Cooke County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
76263	Rosston	6.2 mi	$1,240
76267	Slidell	7.4 mi	$1,160
76253	Myra	9.7 mi	$1,470
76239	Forestburg	10.4 mi	$1,140
76266	Sanger	10.8 mi	$1,680
76250	Lindsay	12.4 mi	$1,410

Questions

What is the Fair Market Rent for ZIP code 76238?

HUD's FY2027 Small Area Fair Market Rents for 76238 are $1,150 (studio), $1,150 (1 BR), $1,510 (2 BR), $1,870 (3 BR) and $1,980 (4 BR) a month.

What is the Section 8 payment standard in 76238?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 76238 that range is $1,359 to $1,661 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 76238?

The FY2026 income limits of the Cooke County, TX area apply: median family income $99,400, low-income (80%) limit $79,500 for a family of four.