FY2027 Small Area FMR · Frost, TX
ZIP 76641 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 76641 (Frost, TX) is $1,180 a month, down 9.9% from FY2026. That is 35% below the Dallas, TX area-wide FMR of $1,807.
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 76641 sits in the Dallas, TX area
Of the 260 ZIP codes HUD lists for the area, 76641 has the 244th highest two-bedroom Small Area FMR. Dallas, TX is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2011), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,062 and $1,298 for two bedrooms.
ZIP code 76641 crosses more than one HUD area. HUD also lists it under Navarro 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 | $970 | $873 – $1,067 | $1,491 | $1,070 |
| 1 bedroom | $1,010 | $909 – $1,111 | $1,536 | $1,120 |
| 2 bedrooms | $1,180 | $1,062 – $1,298 | $1,807 | $1,310 |
| 3 bedrooms | $1,520 | $1,368 – $1,672 | $2,275 | $1,650 |
| 4 bedrooms | $1,910 | $1,719 – $2,101 | $2,892 | $2,120 |
A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 a year to keep housing costs at 30% of income. The area median family income is $121,100 and the 80% low-income limit for four people is $96,900. ZIP code 76641 lies mainly in Navarro County and Ellis County. See the Dallas, 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 76641?
HUD's FY2027 Small Area Fair Market Rents for 76641 are $970 (studio), $1,010 (1 BR), $1,180 (2 BR), $1,520 (3 BR) and $1,910 (4 BR) a month.
What is the Section 8 payment standard in 76641?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 76641 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 76641?
The FY2026 income limits of the Dallas, TX area apply: median family income $121,100, low-income (80%) limit $96,900 for a family of four.