FY2027 Small Area FMR · Ingram, TX

ZIP 78025 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78025 (Ingram, TX) is $1,080 a month, up 5.9% from FY2026. That is 7% below the Kerr County, TX area-wide FMR of $1,156.

2-bedroom SAFMR$1,080per month ▲ 5.9%

Area-wide 2 BR FMR$1,156Kerr County, TX

Rank in the area12thof 13 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$972

2 BR Small Area FMR$1,080

110% of SAFMR$1,188

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

Studio$820▲ 3.8%

1 BR$960▲ 9.1%

2 BR$1,080▲ 5.9%

3 BR$1,410▲ 4.4%

4 BR$1,420▼ 7.2%

FY2027 FY2026

Where 78025 sits in the Kerr County, TX area

Of the 13 ZIP codes HUD lists for the area, 78025 has the 12th highest two-bedroom Small Area FMR. Kerr 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 $1,156 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,080 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	$820	$738 – $902	$879	$790
1 bedroom	$960	$864 – $1,056	$1,026	$880
2 bedrooms	$1,080	$972 – $1,188	$1,156	$1,020
3 bedrooms	$1,410	$1,269 – $1,551	$1,513	$1,350
4 bedrooms	$1,420	$1,278 – $1,562	$1,519	$1,530

A household renting a two-bedroom home at the Small Area FMR of $1,080 needs about $43,200 a year to keep housing costs at 30% of income. The area median family income is $96,200 and the 80% low-income limit for four people is $76,950. ZIP code 78025 lies mainly in Kerr County. See the Kerr County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
78029	Kerrville	6.6 mi	$1,160
78028	Kerrville	7.8 mi	$1,160
78024	Hunt	14.2 mi	$1,140
78055	Medina	17.5 mi	$1,220
78631	Harper	17.9 mi	$1,700
78010	Center Point	18.6 mi	$1,170

Questions

What is the Fair Market Rent for ZIP code 78025?

HUD's FY2027 Small Area Fair Market Rents for 78025 are $820 (studio), $960 (1 BR), $1,080 (2 BR), $1,410 (3 BR) and $1,420 (4 BR) a month.

What is the Section 8 payment standard in 78025?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78025 that range is $972 to $1,188 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78025?

The FY2026 income limits of the Kerr County, TX area apply: median family income $96,200, low-income (80%) limit $76,950 for a family of four.