FY2027 Small Area FMR · Temple, TX

ZIP 76504 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 76504 (Temple, TX) is $1,240 a month, down 9.5% from FY2026. That is 9% above the Killeen-Temple, TX area-wide FMR of $1,138.

2-bedroom SAFMR$1,240per month ▼ 9.5%

Area-wide 2 BR FMR$1,138Killeen-Temple, TX

Rank in the area11thof 42 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$1,000▼ 8.3%

1 BR$1,010▼ 8.2%

2 BR$1,240▼ 9.5%

3 BR$1,720▼ 9.5%

4 BR$2,070▼ 10.0%

FY2027 FY2026

Where 76504 sits in the Killeen-Temple, TX area

Of the 42 ZIP codes HUD lists for the area, 76504 has the 11th highest two-bedroom Small Area FMR. Killeen-Temple, 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 $1,138 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	$1,000	$900 – $1,100	$921	$1,090
1 bedroom	$1,010	$909 – $1,111	$927	$1,100
2 bedrooms	$1,240	$1,116 – $1,364	$1,138	$1,370
3 bedrooms	$1,720	$1,548 – $1,892	$1,576	$1,900
4 bedrooms	$2,070	$1,863 – $2,277	$1,902	$2,300

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 $85,100 and the 80% low-income limit for four people is $68,100. ZIP code 76504 lies mainly in Bell County. See the Killeen-Temple, TX metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
76502	Temple	3.3 mi	$1,380
76579	Troy	7.6 mi	$1,170
76501	Temple	8.4 mi	$1,110
76513	Belton	9.6 mi	$1,210
76557	Moody	10.2 mi	$1,230
76554	Little River Academy	11.7 mi	$1,250

Questions

What is the Fair Market Rent for ZIP code 76504?

HUD's FY2027 Small Area Fair Market Rents for 76504 are $1,000 (studio), $1,010 (1 BR), $1,240 (2 BR), $1,720 (3 BR) and $2,070 (4 BR) a month.

What is the Section 8 payment standard in 76504?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 76504 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 76504?

The FY2026 income limits of the Killeen-Temple, TX area apply: median family income $85,100, low-income (80%) limit $68,100 for a family of four.