FY2027 Small Area FMR · Elmaton, TX

ZIP 77440 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 77440 (Elmaton, TX) is $1,150 a month, up 0.9% from FY2026. That is 6% below the Matagorda County, TX area-wide FMR of $1,226.

2-bedroom SAFMR$1,150per month ▲ 0.9%

Area-wide 2 BR FMR$1,226Matagorda County, TX

Rank in the area10thof 16 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,035

2 BR Small Area FMR$1,150

110% of SAFMR$1,265

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

Studio$950▲ 6.7%

1 BR$970▲ 3.2%

2 BR$1,150▲ 0.9%

3 BR$1,470▲ 1.4%

4 BR$1,840■ 0.0%

FY2027 FY2026

Where 77440 sits in the Matagorda County, TX area

Of the 16 ZIP codes HUD lists for the area, 77440 has the 10th highest two-bedroom Small Area FMR. Matagorda 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 $1,226 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,150 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	$950	$855 – $1,045	$1,021	$890
1 bedroom	$970	$873 – $1,067	$1,027	$940
2 bedrooms	$1,150	$1,035 – $1,265	$1,226	$1,140
3 bedrooms	$1,470	$1,323 – $1,617	$1,569	$1,450
4 bedrooms	$1,840	$1,656 – $2,024	$1,968	$1,840

A household renting a two-bedroom home at the Small Area FMR of $1,150 needs about $46,000 a year to keep housing costs at 30% of income. The area median family income is $74,100 and the 80% low-income limit for four people is $66,950. ZIP code 77440 lies mainly in Matagorda County. See the Matagorda County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
77458	Midfield	6.7 mi	$1,320
77419	Blessing	7.3 mi	$1,130
77465	Palacios	10.3 mi	$1,100
77456	Markham	11.3 mi	$1,230
77432	Danevang	12.2 mi	$1,160
77961	Francitas	12.7 mi	$1,100

Questions

What is the Fair Market Rent for ZIP code 77440?

HUD's FY2027 Small Area Fair Market Rents for 77440 are $950 (studio), $970 (1 BR), $1,150 (2 BR), $1,470 (3 BR) and $1,840 (4 BR) a month.

What is the Section 8 payment standard in 77440?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 77440 that range is $1,035 to $1,265 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 77440?

The FY2026 income limits of the Matagorda County, TX area apply: median family income $74,100, low-income (80%) limit $66,950 for a family of four.