FY2027 Small Area FMR · Laredo, TX

ZIP 78044 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78044 (Laredo, TX) is $1,120 a month, unchanged from FY2026. That is 3% below the Laredo, TX area-wide FMR of $1,157.

2-bedroom SAFMR$1,120per month ■ 0.0%

Area-wide 2 BR FMR$1,157Laredo, TX

Rank in the area10thof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,008

2 BR Small Area FMR$1,120

110% of SAFMR$1,232

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

Studio$900■ 0.0%

1 BR$910■ 0.0%

2 BR$1,120■ 0.0%

3 BR$1,420▼ 2.1%

4 BR$1,550▲ 0.6%

FY2027 FY2026

Where 78044 sits in the Laredo, TX area

Of the 11 ZIP codes HUD lists for the area, 78044 has the 10th 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 $1,120 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	$900	$810 – $990	$949	$900
1 bedroom	$910	$819 – $1,001	$955	$910
2 bedrooms	$1,120	$1,008 – $1,232	$1,157	$1,120
3 bedrooms	$1,420	$1,278 – $1,562	$1,512	$1,450
4 bedrooms	$1,550	$1,395 – $1,705	$1,558	$1,540

A household renting a two-bedroom home at the Small Area FMR of $1,120 needs about $44,800 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 78044 lies mainly in Webb County. See the Laredo, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
78371	Oilton	14.5 mi	$1,160
78043	Laredo	16.1 mi	$1,150
78344	Bruni	24.7 mi	$1,450
78041	Laredo	25.0 mi	$1,170
78019	Encinal	26.1 mi	$1,080
78369	Mirando City	27.8 mi	$1,150

Questions

What is the Fair Market Rent for ZIP code 78044?

HUD's FY2027 Small Area Fair Market Rents for 78044 are $900 (studio), $910 (1 BR), $1,120 (2 BR), $1,420 (3 BR) and $1,550 (4 BR) a month.

What is the Section 8 payment standard in 78044?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78044 that range is $1,008 to $1,232 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78044?

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.