FY2027 Small Area FMR · Mountain Home, TX
ZIP 78058 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78058 (Mountain Home, TX) is $1,300 a month, up 13.0% from FY2026. That is 18% below the Gillespie County, TX area-wide FMR of $1,591.
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 78058 sits in the Gillespie County, TX area
Of the 9 ZIP codes HUD lists for the area, 78058 has the 5th highest two-bedroom Small Area FMR. Gillespie 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 $1,591 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,300 for this ZIP code instead.
ZIP code 78058 crosses more than one HUD area. HUD also lists it under Kerr County, TX (same figures) and Real County, TX (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $990 | $891 – $1,089 | $1,209 | $870 |
| 1 bedroom | $990 | $891 – $1,089 | $1,216 | $900 |
| 2 bedrooms | $1,300 | $1,170 – $1,430 | $1,591 | $1,150 |
| 3 bedrooms | $1,630 | $1,467 – $1,793 | $1,896 | $1,520 |
| 4 bedrooms | $1,910 | $1,719 – $2,101 | $2,292 | $1,720 |
A household renting a two-bedroom home at the Small Area FMR of $1,300 needs about $52,000 a year to keep housing costs at 30% of income. The area median family income is $109,300 and the 80% low-income limit for four people is $87,450. ZIP code 78058 lies mainly in Kerr County, Real County and Gillespie County. See the Gillespie 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 78058?
HUD's FY2027 Small Area Fair Market Rents for 78058 are $990 (studio), $990 (1 BR), $1,300 (2 BR), $1,630 (3 BR) and $1,910 (4 BR) a month.
What is the Section 8 payment standard in 78058?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78058 that range is $1,170 to $1,430 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 78058?
The FY2026 income limits of the Gillespie County, TX area apply: median family income $109,300, low-income (80%) limit $87,450 for a family of four.