FY2027 Small Area FMR · Laredo, TX
ZIP 78041 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78041 (Laredo, TX) is $1,170 a month, down 0.8% from FY2026. That is 1% above the Laredo, TX area-wide FMR of $1,157.
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 78041 sits in the Laredo, TX area
Of the 11 ZIP codes HUD lists for the area, 78041 has the 4th highest two-bedroom Small Area FMR. Laredo, 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 $1,157 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,170 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $960 | $864 – $1,056 | $949 | $970 |
| 1 bedroom | $970 | $873 – $1,067 | $955 | $980 |
| 2 bedrooms | $1,170 | $1,053 – $1,287 | $1,157 | $1,180 |
| 3 bedrooms | $1,530 | $1,377 – $1,683 | $1,512 | $1,520 |
| 4 bedrooms | $1,580 | $1,422 – $1,738 | $1,558 | $1,580 |
A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 a year to keep housing costs at 30% of income. The area median family income is $74,000 and the 80% low-income limit for four people is $66,950. ZIP code 78041 lies mainly in Webb County. See the Laredo, 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 78041?
HUD's FY2027 Small Area Fair Market Rents for 78041 are $960 (studio), $970 (1 BR), $1,170 (2 BR), $1,530 (3 BR) and $1,580 (4 BR) a month.
What is the Section 8 payment standard in 78041?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78041 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78041?
The FY2026 income limits of the Laredo, TX area apply: median family income $74,000, low-income (80%) limit $66,950 for a family of four.