FY2027 Small Area FMR · Saint Jo, TX
ZIP 76265 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 76265 (Saint Jo, TX) is $1,140 a month, up 7.5% from FY2026. That is 13% below the Cooke County, TX area-wide FMR of $1,314.
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 76265 sits in the Cooke County, TX area
Of the 16 ZIP codes HUD lists for the area, 76265 has the 14th 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 $1,140 for this ZIP code instead.
ZIP code 76265 crosses more than one HUD area. HUD also lists it under Montague 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 | $860 | $774 – $946 | $998 | $810 |
| 1 bedroom | $870 | $783 – $957 | $1,004 | $810 |
| 2 bedrooms | $1,140 | $1,026 – $1,254 | $1,314 | $1,060 |
| 3 bedrooms | $1,410 | $1,269 – $1,551 | $1,623 | $1,350 |
| 4 bedrooms | $1,550 | $1,395 – $1,705 | $1,727 | $1,580 |
A household renting a two-bedroom home at the Small Area FMR of $1,140 needs about $45,600 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 76265 lies mainly in Montague County and Cooke County. See the Cooke 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 76265?
HUD's FY2027 Small Area Fair Market Rents for 76265 are $860 (studio), $870 (1 BR), $1,140 (2 BR), $1,410 (3 BR) and $1,550 (4 BR) a month.
What is the Section 8 payment standard in 76265?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 76265 that range is $1,026 to $1,254 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 76265?
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.