FY2027 Small Area FMR · Panna Maria, TX

ZIP 78144 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 78144 (Panna Maria, TX) is $1,150 a month, down 9.4% from FY2026. That is 1% above the Karnes County, TX area-wide FMR of $1,143.

2-bedroom SAFMR$1,150per month ▼ 9.4%

Area-wide 2 BR FMR$1,143Karnes County, TX

Rank in the area3rdof 10 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,035

2 BR Small Area FMR$1,150

110% of SAFMR$1,265

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

Studio$800▼ 9.1%

1 BR$880▼ 9.3%

2 BR$1,150▼ 9.4%

3 BR$1,380▼ 9.2%

4 BR$1,690▼ 9.6%

FY2027 FY2026

Where 78144 sits in the Karnes County, TX area

Of the 10 ZIP codes HUD lists for the area, 78144 has the 3rd highest two-bedroom Small Area FMR. Karnes 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 $1,143 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,150 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	$800	$720 – $880	$819	$880
1 bedroom	$880	$792 – $968	$872	$970
2 bedrooms	$1,150	$1,035 – $1,265	$1,143	$1,270
3 bedrooms	$1,380	$1,242 – $1,518	$1,393	$1,520
4 bedrooms	$1,690	$1,521 – $1,859	$1,683	$1,870

A household renting a two-bedroom home at the Small Area FMR of $1,150 needs about $46,000 a year to keep housing costs at 30% of income. The area median family income is $86,000 and the 80% low-income limit for four people is $68,800. ZIP code 78144 lies mainly in Karnes County. See the Karnes County, TX county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
78117	Hobson	2.1 mi	$1,150
78111	Ecleto	10.8 mi	$1,150
78151	Runge	12.8 mi	$1,150
78116	Gillett	13.8 mi	$1,150
78147	Poth	14.1 mi	$1,240
78118	Karnes City	14.6 mi	$1,150

Questions

What is the Fair Market Rent for ZIP code 78144?

HUD's FY2027 Small Area Fair Market Rents for 78144 are $800 (studio), $880 (1 BR), $1,150 (2 BR), $1,380 (3 BR) and $1,690 (4 BR) a month.

What is the Section 8 payment standard in 78144?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 78144 that range is $1,035 to $1,265 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 78144?

The FY2026 income limits of the Karnes County, TX area apply: median family income $86,000, low-income (80%) limit $68,800 for a family of four.