FY2027 Small Area FMR · Bergheim, TX
ZIP 78004 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78004 (Bergheim, TX) is $1,580 a month, down 0.6% from FY2026. That is 4% below the Kendall County, TX area-wide FMR of $1,650.
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 78004 sits in the Kendall County, TX area
Of the 9 ZIP codes HUD lists for the area, 78004 has the 5th highest two-bedroom Small Area FMR. Kendall 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 $1,650 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,580 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,210 | $1,089 – $1,331 | $1,276 | $1,220 |
| 1 bedroom | $1,270 | $1,143 – $1,397 | $1,285 | $1,280 |
| 2 bedrooms | $1,580 | $1,422 – $1,738 | $1,650 | $1,590 |
| 3 bedrooms | $2,120 | $1,908 – $2,332 | $2,285 | $2,070 |
| 4 bedrooms | $2,370 | $2,133 – $2,607 | $2,470 | $2,230 |
A household renting a two-bedroom home at the Small Area FMR of $1,580 needs about $63,200 a year to keep housing costs at 30% of income. The area median family income is $139,700 and the 80% low-income limit for four people is $106,800. ZIP code 78004 lies mainly in Kendall County. See the Kendall 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 78004?
HUD's FY2027 Small Area Fair Market Rents for 78004 are $1,210 (studio), $1,270 (1 BR), $1,580 (2 BR), $2,120 (3 BR) and $2,370 (4 BR) a month.
What is the Section 8 payment standard in 78004?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78004 that range is $1,422 to $1,738 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78004?
The FY2026 income limits of the Kendall County, TX area apply: median family income $139,700, low-income (80%) limit $106,800 for a family of four.