FY2027 Small Area FMR · Crawford, TX
ZIP 76638 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 76638 (Crawford, TX) is $1,480 a month, down 1.3% from FY2026. That is 30% above the Killeen-Temple, TX area-wide FMR of $1,138.
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 76638 sits in the Killeen-Temple, TX area
Of the 42 ZIP codes HUD lists for the area, 76638 has the 4th 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 $1,480 for this ZIP code instead.
ZIP code 76638 crosses more than one HUD area. HUD also lists it under Waco, 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 | $1,030 | $927 – $1,133 | $921 | $1,030 |
| 1 bedroom | $1,170 | $1,053 – $1,287 | $927 | $1,200 |
| 2 bedrooms | $1,480 | $1,332 – $1,628 | $1,138 | $1,500 |
| 3 bedrooms | $1,930 | $1,737 – $2,123 | $1,576 | $1,930 |
| 4 bedrooms | $1,950 | $1,755 – $2,145 | $1,902 | $1,980 |
A household renting a two-bedroom home at the Small Area FMR of $1,480 needs about $59,200 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 76638 lies mainly in McLennan County. See the Killeen-Temple, TX metro page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 76638?
HUD's FY2027 Small Area Fair Market Rents for 76638 are $1,030 (studio), $1,170 (1 BR), $1,480 (2 BR), $1,930 (3 BR) and $1,950 (4 BR) a month.
What is the Section 8 payment standard in 76638?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 76638 that range is $1,332 to $1,628 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 76638?
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.