FY2027 Small Area FMR · Laredo, TX

ZIP 78046 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78046 (Laredo, TX) is $1,180 a month, up 0.9% from FY2026. That is 2% above the Laredo, TX area-wide FMR of $1,157.

2-bedroom SAFMR$1,180per month ▲ 0.9%

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

Rank in the area3rdof 11 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,062

2 BR Small Area FMR$1,180

110% of SAFMR$1,298

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

Studio$970▲ 1.0%

1 BR$970■ 0.0%

2 BR$1,180▲ 0.9%

3 BR$1,540▲ 2.0%

4 BR$1,590▲ 1.9%

FY2027 FY2026

Where 78046 sits in the Laredo, TX area

Of the 11 ZIP codes HUD lists for the area, 78046 has the 3rd 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 $1,180 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	$970	$873 – $1,067	$949	$960
1 bedroom	$970	$873 – $1,067	$955	$970
2 bedrooms	$1,180	$1,062 – $1,298	$1,157	$1,170
3 bedrooms	$1,540	$1,386 – $1,694	$1,512	$1,510
4 bedrooms	$1,590	$1,431 – $1,749	$1,558	$1,560

A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 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 78046 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
78040	Laredo	13.8 mi	$1,140
78043	Laredo	13.8 mi	$1,150
78041	Laredo	14.1 mi	$1,170
78067	San Ygnacio	16.6 mi	$1,040
78369	Mirando City	21.5 mi	$1,150
78044	Laredo	29.7 mi	$1,120

Questions

What is the Fair Market Rent for ZIP code 78046?

HUD's FY2027 Small Area Fair Market Rents for 78046 are $970 (studio), $970 (1 BR), $1,180 (2 BR), $1,540 (3 BR) and $1,590 (4 BR) a month.

What is the Section 8 payment standard in 78046?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78046 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78046?

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.